LFGP (Ledyard Financial Group) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


LFGP Ledyard Financial Group Inc LFGP
62 GF Score
Price $17.99
GF Value $20.44
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Ledyard Financial Group Scaled Net Operating Assets?

Ledyard Financial Group LFGP -0.08% 62 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates LFGP with a GF Score™ of 62/100 and a GF Value™ of $20.44 (Modestly Undervalued). The stock has 5 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.

Ledyard Financial Group's operating assets for the quarter that ended in Mar. 2026 was $1,043.43 Mil. Ledyard Financial Group's operating liabilities for the quarter that ended in Mar. 2026 was $891.28 Mil. Ledyard Financial Group's Total Assets for the quarter that ended in Dec. 2025 was $1,059.57 Mil. Therefore, Ledyard Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

LFGP
62GF Score
Ledyard Financial Group Inc LFGP
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Ledyard Financial Group 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.

Ledyard Financial Group'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 )
=(976.387-892.104)/951.687
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1059.574 - 83.187
=976.387

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=996.768 - 104.664 - 0
=892.104

Ledyard Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1043.433-891.275)/1059.574
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1043.433 - 0
=1043.433

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=980.28 - 89.005 - 0
=891.275

* 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 0.14 mean?
Ledyard Financial Group (LFGP) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ledyard Financial Group and its competitors.
Is Ledyard Financial Group's Scaled Net Operating Assets too high?
Ledyard Financial Group's current Scaled Net Operating Assets is 0.14. Overall, Ledyard Financial Group has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Scaled Net Operating Assets compare to CBAF and CEFC?
Ledyard Financial Group's Scaled Net Operating Assets of 0.14 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 Ledyard Financial Group and its competitors. Ledyard Financial Group's current Scaled Net Operating Assets is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.44, compared to a current price of $17.99 — trading 12% below its estimated fair value. The current Scaled Net Operating Assets is 0.14. Ledyard Financial Group's overall GF Score™ is 62/100 with 5 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 Ledyard Financial Group (LFGP), the current Scaled Net Operating Assets is 0.14 as of Mar. 2026. 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 Ledyard Financial Group (LFGP) Overvalued in 2026?

Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be undervalued. The current stock price of $17.99 is trading 12% below its estimated GF Value™ of $20.44. GuruFocus considers Ledyard Financial Group to be Modestly Undervalued.

Key valuation signals for LFGP:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: $20.44 vs. price of $17.99 (12% below fair value)
  • GF Score™: 62/100 with 5 warning signs

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

Ledyard Financial Group Business Description

Address 2 Maple Street, Hanover, NH, USA, 03755
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
62GF Score

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

$17.99
Price
$20.44
GF Value