IBWC (IBW Financial) Scaled Net Operating Assets: 0.18 (As of Dec. 2025)


IBWC IBW Financial Corp IBWC
51 GF Score
Price $48.00
GF Value $29.18
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is IBW Financial Scaled Net Operating Assets?

IBW Financial IBWC +1.05% 51 Scaled Net Operating Assets is 0.18 as of Dec. 2025. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

IBW Financial's operating assets for the quarter that ended in Dec. 2025 was $753.31 Mil. IBW Financial's operating liabilities for the quarter that ended in Dec. 2025 was $614.91 Mil. IBW Financial's Total Assets for the quarter that ended in Dec. 2024 was $781.45 Mil. Therefore, IBW Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.18.

IBWC
51GF Score
IBW Financial Corp IBWC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IBW Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

IBW Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(753.314-614.909)/781.448
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=799.417 - 46.103
=753.314

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=664.909 - 50 - 0
=614.909

IBW Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(753.314-614.909)/781.448
=0.18

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=799.417 - 46.103
=753.314

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=664.909 - 50 - 0
=614.909

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.18 mean?
IBW Financial (IBWC) has a Scaled Net Operating Assets of 0.18 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on IBW Financial and its competitors.
Is IBW Financial's Scaled Net Operating Assets too high?
IBW Financial's current Scaled Net Operating Assets is 0.18. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Scaled Net Operating Assets compare to CDAB and CNBZ?
IBW Financial's Scaled Net Operating Assets of 0.18 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on IBW Financial and its competitors. IBW Financial's current Scaled Net Operating Assets is 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.18. IBW Financial's overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For IBW Financial (IBWC), the current Scaled Net Operating Assets is 0.18 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is IBW Financial (IBWC) Overvalued in 2026?

Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued. The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18. GuruFocus considers IBW Financial to be Significantly Overvalued.

Key valuation signals for IBWC:

  • Scaled Net Operating Assets: 0.18
  • GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
  • GF Score™: 51/100 with 7 warning signs

No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

IBW Financial Business Description

Address 4812 Georgia Avenue NW, Washington, DC, USA, 20011-4113
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score

Get the complete analysis for IBWC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$29.18
GF Value