MCHT (Mauch Chunk Trust Financial) Scaled Net Operating Assets: 0.04 (As of Dec. 2025)


MCHT Mauch Chunk Trust Financial Corp MCHT
48 GF Score
Price $6.70
GF Value $6.76
Valuation Fairly Valued
! 5 Warning Signs
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What is Mauch Chunk Trust Financial Scaled Net Operating Assets?

Mauch Chunk Trust Financial MCHT 48 Scaled Net Operating Assets is 0.04 as of Dec. 2025. GuruFocus rates MCHT with a GF Score™ of 48/100 and a GF Value™ of $6.76 (Fairly Valued). 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.

Mauch Chunk Trust Financial's operating assets for the quarter that ended in Dec. 2025 was $644.55 Mil. Mauch Chunk Trust Financial's operating liabilities for the quarter that ended in Dec. 2025 was $622.28 Mil. Mauch Chunk Trust Financial's Total Assets for the quarter that ended in Dec. 2024 was $633.56 Mil. Therefore, Mauch Chunk Trust Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.04.

MCHT
48GF Score
Mauch Chunk Trust Financial Corp MCHT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Mauch Chunk Trust 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.

Mauch Chunk Trust 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 )
=(644.546-622.277)/633.555
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=649.113 - 4.567
=644.546

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=646.777 - 24.5 - 0
=622.277

Mauch Chunk Trust 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 )
=(644.546-622.277)/633.555
=0.04

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=649.113 - 4.567
=644.546

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=646.777 - 24.5 - 0
=622.277

* 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 0.04 mean?
Mauch Chunk Trust Financial (MCHT) has a Scaled Net Operating Assets of 0.04 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 Mauch Chunk Trust Financial and its competitors.
Is Mauch Chunk Trust Financial's Scaled Net Operating Assets too high?
Mauch Chunk Trust Financial's current Scaled Net Operating Assets is 0.04. Overall, Mauch Chunk Trust Financial has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's Scaled Net Operating Assets compare to CNAF and UNIF?
Mauch Chunk Trust Financial's Scaled Net Operating Assets of 0.04 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 Mauch Chunk Trust Financial and its competitors. Mauch Chunk Trust Financial's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.76, compared to a current price of $6.70 — trading 0.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.04. Mauch Chunk Trust Financial's overall GF Score™ is 48/100 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 Mauch Chunk Trust Financial (MCHT), the current Scaled Net Operating Assets is 0.04 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?

Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued. The current stock price of $6.70 is trading 0.9% below its estimated GF Value™ of $6.76. GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.

Key valuation signals for MCHT:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: $6.76 vs. price of $6.70 (0.9% below fair value)
  • GF Score™: 48/100 with 5 warning signs

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

Mauch Chunk Trust Financial Business Description

Address 1111 North Street, P.O. Box 289, Jim Thorpe, PA, USA, 18229-0289
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
48GF Score

Get the complete analysis for MCHT

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

$6.70
Price
$6.76
GF Value