NBN (Northeast Bank) Scaled Net Operating Assets: 0.18 (As of Mar. 2026)


NBN Northeast Bank NBN
68 GF Score
Price $132.30
GF Value $103.09
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Northeast Bank Scaled Net Operating Assets?

Northeast Bank NBN +2.15% 68 Scaled Net Operating Assets is 0.18 as of Mar. 2026. GuruFocus rates NBN with a GF Score™ of 68/100 and a GF Value™ of $103.09 (Modestly 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.

Northeast Bank's operating assets for the quarter that ended in Mar. 2026 was $4,628.2 Mil. Northeast Bank's operating liabilities for the quarter that ended in Mar. 2026 was $3,728.6 Mil. Northeast Bank's Total Assets for the quarter that ended in Dec. 2025 was $4,947.3 Mil. Therefore, Northeast Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.18.

NBN
68GF Score
Northeast Bank NBN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Northeast Bank 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.

Northeast Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(3865.449-3445.547)/3132.203
=0.13

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4279.068 - 413.619
=3865.449

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3784.782 - 329.503 - 9.732
=3445.547

Northeast Bank'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 )
=(4628.242-3728.645)/4947.308
=0.18

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5034.096 - 405.854
=4628.242

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4466.432 - 737.787 - 0
=3728.645

* 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?
Northeast Bank (NBN) has a Scaled Net Operating Assets of 0.18 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 Northeast Bank and its competitors.
Is Northeast Bank's Scaled Net Operating Assets too high?
Northeast Bank's current Scaled Net Operating Assets is 0.18. Overall, Northeast Bank has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's Scaled Net Operating Assets compare to OCFC and AGBK?
Northeast Bank'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 Northeast Bank and its competitors. Northeast Bank'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 Northeast Bank stock overvalued right now?
Based on GuruFocus' analysis, Northeast Bank (NBN) is currently considered Modestly Overvalued. The stock's GF Value™ is $103.09, compared to a current price of $132.30 — trading 28.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.18. Northeast Bank's overall GF Score™ is 68/100 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 Northeast Bank (NBN), the current Scaled Net Operating Assets is 0.18 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 Northeast Bank (NBN) Overvalued in 2026?

Based on GuruFocus' analysis, Northeast Bank stock appears to be overvalued. The current stock price of $132.30 is trading 28.3% above its estimated GF Value™ of $103.09. GuruFocus considers Northeast Bank to be Modestly Overvalued.

Key valuation signals for NBN:

  • Scaled Net Operating Assets: 0.18
  • GF Value™: $103.09 vs. price of $132.30 (28.3% above fair value)
  • GF Score™: 68/100 with 7 warning signs

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

Northeast Bank Business Description

Other Exchanges 73K:Germany
Address 27 Pearl Street, Portland, ME, USA, 04101
Northeast Bank provides banking and financial services to individual and corporate customers in the United States. The firm conducts its loan-related activities through two primary channels: the Community Banking Division, and the Small Business Administration (SBA) National Division. Its loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, consumer loans, and small business administration loans. The firm also provides telephone banking, online banking, mobile banking, and remote deposit capture services. The revenue of the company is derived principally from interest and dividends from the bank.
68GF 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.

$132.30
Price
$103.09
GF Value