LYBC (Lyons Bancorp) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


LYBC Lyons Bancorp Inc LYBC
55 GF Score
Price $55.00
GF Value $52.74
Valuation Fairly Valued
! 4 Warning Signs
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What is Lyons Bancorp Scaled Net Operating Assets?

Lyons Bancorp LYBC 55 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates LYBC with a GF Score™ of 55/100 and a GF Value™ of $52.74 (Fairly Valued). The stock has 4 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.

Lyons Bancorp's operating assets for the quarter that ended in Mar. 2026 was $2,106.53 Mil. Lyons Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $1,936.63 Mil. Lyons Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $2,068.12 Mil. Therefore, Lyons Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

LYBC
55GF Score
Lyons Bancorp Inc LYBC
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Lyons Bancorp 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.

Lyons Bancorp'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 )
=(1940.553-1910.362)/1924.879
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2068.116 - 127.563
=1940.553

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1926.159 - 15.797 - 0
=1910.362

Lyons Bancorp'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 )
=(2106.534-1936.634)/2068.116
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2106.534 - 0
=2106.534

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1936.634 - 0 - 0
=1936.634

* 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 0.08 mean?
Lyons Bancorp (LYBC) has a Scaled Net Operating Assets of 0.08 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 Lyons Bancorp and its competitors.
Is Lyons Bancorp's Scaled Net Operating Assets too high?
Lyons Bancorp's current Scaled Net Operating Assets is 0.08. Overall, Lyons Bancorp has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lyons Bancorp's Scaled Net Operating Assets compare to SOME and BVFL?
Lyons Bancorp's Scaled Net Operating Assets of 0.08 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 Lyons Bancorp and its competitors. Lyons Bancorp's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lyons Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lyons Bancorp (LYBC) is currently considered Fairly Valued. The stock's GF Value™ is $52.74, compared to a current price of $55.00 — trading 4.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. Lyons Bancorp's overall GF Score™ is 55/100 with 4 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 Lyons Bancorp (LYBC), the current Scaled Net Operating Assets is 0.08 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 Lyons Bancorp (LYBC) Overvalued in 2026?

Based on GuruFocus' analysis, Lyons Bancorp stock appears to be overvalued. The current stock price of $55.00 is trading 4.3% above its estimated GF Value™ of $52.74. GuruFocus considers Lyons Bancorp to be Fairly Valued.

Key valuation signals for LYBC:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: $52.74 vs. price of $55.00 (4.3% above fair value)
  • GF Score™: 55/100 with 4 warning signs

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

Lyons Bancorp Business Description

Address 399 Exchange Street, Geneva, NY, USA, 14456
Lyons Bancorp Inc is a bank holding company. It provides commercial and retail banking services to individual and small business customers. The bank offers checking accounts, savings accounts, individual retirement accounts, certificates of deposits, business checking, business savings, and other banking services. Company also provides financial services, including investments and insurance.
55GF 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.

$55.00
Price
$52.74
GF Value