JFWV (JSB Financial) Scaled Net Operating Assets: 0.01 (As of Dec. 2025)


JFWV JSB Financial Inc JFWV
61 GF Score
Price $122.00
GF Value $113.47
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is JSB Financial Scaled Net Operating Assets?

JSB Financial JFWV 61 Scaled Net Operating Assets is 0.01 as of Dec. 2025. GuruFocus rates JFWV with a GF Score™ of 61/100 and a GF Value™ of $113.47 (Fairly Valued). The stock has 3 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.

JSB Financial's operating assets for the quarter that ended in Dec. 2025 was $531.27 Mil. JSB Financial's operating liabilities for the quarter that ended in Dec. 2025 was $523.34 Mil. JSB Financial's Total Assets for the quarter that ended in Dec. 2024 was $536.91 Mil. Therefore, JSB Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.01.

JFWV
61GF Score
JSB Financial Inc JFWV
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

JSB 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.

JSB 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 )
=(531.272-523.342)/536.913
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=562.182 - 30.91
=531.272

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=525.425 - 2.083 - 0
=523.342

JSB 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 )
=(531.272-523.342)/536.913
=0.01

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=562.182 - 30.91
=531.272

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=525.425 - 2.083 - 0
=523.342

* 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 0.01 mean?
JSB Financial (JFWV) has a Scaled Net Operating Assets of 0.01 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 JSB Financial and its competitors.
Is JSB Financial's Scaled Net Operating Assets too high?
JSB Financial's current Scaled Net Operating Assets is 0.01. Overall, JSB Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Scaled Net Operating Assets compare to RBNK and WOBK?
JSB Financial's Scaled Net Operating Assets of 0.01 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 JSB Financial and its competitors. JSB Financial's current Scaled Net Operating Assets is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.47, compared to a current price of $122.00 — trading 7.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. JSB Financial's overall GF Score™ is 61/100 with 3 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 JSB Financial (JFWV), the current Scaled Net Operating Assets is 0.01 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 JSB Financial (JFWV) Overvalued in 2026?

Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued. The current stock price of $122.00 is trading 7.5% above its estimated GF Value™ of $113.47. GuruFocus considers JSB Financial to be Fairly Valued.

Key valuation signals for JFWV:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
  • GF Score™: 61/100 with 3 warning signs

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

JSB Financial Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
61GF Score

Get the complete analysis for JFWV

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

$122.00
Price
$113.47
GF Value