NMBF (NMB Finl) Scaled Net Operating Assets: 0.02 (As of Dec. 2025)

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NMBF NMB Finl Corp NMBF
64 GF Score
Price $18.90
GF Value $14.65
Valuation Modestly Overvalued
! 2 Warning Signs
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What is NMB Finl Scaled Net Operating Assets?

NMB Finl NMBF 64 Scaled Net Operating Assets is 0.02 as of Dec. 2025. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 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.

NMB Finl's operating assets for the quarter that ended in Dec. 2025 was $807.13 Mil. NMB Finl's operating liabilities for the quarter that ended in Dec. 2025 was $787.40 Mil. NMB Finl's Total Assets for the quarter that ended in Dec. 2024 was $913.72 Mil. Therefore, NMB Finl's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.02.

NMBF
64GF Score
NMB Finl Corp NMBF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Finl 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.

NMB Finl'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 )
=(807.132-787.404)/913.721
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=953.009 - 145.877
=807.132

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=787.404 - 0 - 0
=787.404

NMB Finl'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 )
=(807.132-787.404)/913.721
=0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=953.009 - 145.877
=807.132

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=787.404 - 0 - 0
=787.404

* 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 0.02 mean?
NMB Finl (NMBF) has a Scaled Net Operating Assets of 0.02 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 NMB Finl and its competitors.
Is NMB Finl's Scaled Net Operating Assets too high?
NMB Finl's current Scaled Net Operating Assets is 0.02. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Scaled Net Operating Assets compare to FABP and CYVF?
NMB Finl's Scaled Net Operating Assets of 0.02 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 NMB Finl and its competitors. NMB Finl's current Scaled Net Operating Assets is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current Scaled Net Operating Assets is 0.02. NMB Finl's overall GF Score™ is 64/100 with 2 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 NMB Finl (NMBF), the current Scaled Net Operating Assets is 0.02 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 NMB Finl (NMBF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued. The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65. GuruFocus considers NMB Finl to be Modestly Overvalued.

Key valuation signals for NMBF:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
  • GF Score™: 64/100 with 2 warning signs

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

NMB Finl Business Description

Address 222 Bruce Reynolds Boulevard, Suite 400, Fort Lee, NJ, USA, 07024
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF 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.

$18.90
Price
$14.65
GF Value