Jaeren Sparebank (OSL:JAREN) Scaled Net Operating Assets: 0.35 (As of Mar. 2026)

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OSL:JAREN Jaeren Sparebank OSL:JAREN
70 GF Score
Price kr339.90
GF Value kr336.16
Valuation Fairly Valued
! 3 Warning Signs
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What is Jaeren Sparebank Scaled Net Operating Assets?

Jaeren Sparebank OSL:JAREN -0.01% 70 Scaled Net Operating Assets is 0.35 as of Mar. 2026. GuruFocus rates OSL:JAREN with a GF Score™ of 70/100 and a GF Value™ of kr336.16 (Fairly Valued). The stock has 3 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.

Jaeren Sparebank's operating assets for the quarter that ended in Mar. 2026 was kr21,170.1 Mil. Jaeren Sparebank's operating liabilities for the quarter that ended in Mar. 2026 was kr13,941.9 Mil. Jaeren Sparebank's Total Assets for the quarter that ended in Dec. 2025 was kr20,936.0 Mil. Therefore, Jaeren Sparebank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.35.

OSL:JAREN
70GF Score
Jaeren Sparebank OSL:JAREN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Jaeren Sparebank 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.

Jaeren Sparebank'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 )
=(20903.526-13701.722)/18852.641
=0.38

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=20936.048 - 32.522
=20903.526

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18128.761 - 4427.039 - 0
=13701.722

Jaeren Sparebank'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 )
=(21170.068-13941.929)/20936.048
=0.35

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=21203.191 - 33.123
=21170.068

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18519.811 - 4577.882 - 0
=13941.929

* 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 0.35 mean?
Jaeren Sparebank (OSL:JAREN) has a Scaled Net Operating Assets of 0.35 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 Jaeren Sparebank and its competitors.
Is Jaeren Sparebank's Scaled Net Operating Assets too high?
Jaeren Sparebank's current Scaled Net Operating Assets is 0.35. Overall, Jaeren Sparebank has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaeren Sparebank's Scaled Net Operating Assets compare to competitors?
Jaeren Sparebank's Scaled Net Operating Assets of 0.35 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 Jaeren Sparebank and its competitors. Jaeren Sparebank's current Scaled Net Operating Assets is 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaeren Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Jaeren Sparebank (OSL:JAREN) is currently considered Fairly Valued. The stock's GF Value™ is kr336.16, compared to a current price of kr339.90 — trading 1.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.35. Jaeren Sparebank's overall GF Score™ is 70/100 with 3 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 Jaeren Sparebank (OSL:JAREN), the current Scaled Net Operating Assets is 0.35 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 Jaeren Sparebank (OSL:JAREN) Overvalued in 2026?

Based on GuruFocus' analysis, Jaeren Sparebank stock appears to be overvalued. The current stock price of kr339.90 is trading 1.1% above its estimated GF Value™ of kr336.16. GuruFocus considers Jaeren Sparebank to be Fairly Valued.

Key valuation signals for OSL:JAREN:

  • Scaled Net Operating Assets: 0.35
  • GF Value™: kr336.16 vs. price of kr339.90 (1.1% above fair value)
  • GF Score™: 70/100 with 3 warning signs

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

Jaeren Sparebank Business Description

Other Exchanges 0EZK:UK
Address Jaervegen 532, PO Box 53, Kleppe, NOR, 4352
Jaeren Sparebank operates as a local bank. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
70GF Score

Get the complete analysis for OSL:JAREN

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

kr339.90
Price
kr336.16
GF Value