Nidaros Sparebank (OSL:NISB) Scaled Net Operating Assets: 0.28 (As of Mar. 2026)

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OSL:NISB Nidaros Sparebank OSL:NISB
56 GF Score
Price kr100.20
GF Value kr112.66
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Nidaros Sparebank Scaled Net Operating Assets?

Nidaros Sparebank OSL:NISB -1.28% 56 Scaled Net Operating Assets is 0.28 as of Mar. 2026. GuruFocus rates OSL:NISB with a GF Score™ of 56/100 and a GF Value™ of kr112.66 (Modestly Undervalued). 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.

Nidaros Sparebank's operating assets for the quarter that ended in Mar. 2026 was kr6,101.2 Mil. Nidaros Sparebank's operating liabilities for the quarter that ended in Mar. 2026 was kr4,600.2 Mil. Nidaros Sparebank's Total Assets for the quarter that ended in Dec. 2025 was kr5,334.2 Mil. Therefore, Nidaros Sparebank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.28.

OSL:NISB
56GF Score
Nidaros Sparebank OSL:NISB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Nidaros 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.

Nidaros 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 )
=(5275.25-3658.639)/4756.444
=0.34

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5334.19 - 58.94
=5275.25

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4699.243 - 1040.604 - 0
=3658.639

Nidaros 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 )
=(6101.196-4600.24)/5334.19
=0.28

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6154.901 - 53.705
=6101.196

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5524.181 - 923.941 - 0
=4600.24

* 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 0.28 mean?
Nidaros Sparebank (OSL:NISB) has a Scaled Net Operating Assets of 0.28 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 Nidaros Sparebank and its competitors.
Is Nidaros Sparebank's Scaled Net Operating Assets too high?
Nidaros Sparebank's current Scaled Net Operating Assets is 0.28. Overall, Nidaros Sparebank has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nidaros Sparebank's Scaled Net Operating Assets compare to PNC?
Nidaros Sparebank's Scaled Net Operating Assets of 0.28 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 Nidaros Sparebank and its competitors. Nidaros Sparebank's current Scaled Net Operating Assets is 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nidaros Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Nidaros Sparebank (OSL:NISB) is currently considered Modestly Undervalued. The stock's GF Value™ is kr112.66, compared to a current price of kr100.20 — trading 11.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.28. Nidaros Sparebank's overall GF Score™ is 56/100 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 Nidaros Sparebank (OSL:NISB), the current Scaled Net Operating Assets is 0.28 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 Nidaros Sparebank (OSL:NISB) Overvalued in 2026?

Based on GuruFocus' analysis, Nidaros Sparebank stock appears to be undervalued. The current stock price of kr100.20 is trading 11.1% below its estimated GF Value™ of kr112.66. GuruFocus considers Nidaros Sparebank to be Modestly Undervalued.

Key valuation signals for OSL:NISB:

  • Scaled Net Operating Assets: 0.28
  • GF Value™: kr112.66 vs. price of kr100.20 (11.1% below fair value)
  • GF Score™: 56/100 with 3 warning signs

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

Nidaros Sparebank Business Description

Address Nordalsvegen 2, Klaebu, NOR, 7540
Nidaros Sparebank is a Norway-based financial institution. It offers various financial advisory services including Insurance, Financing, Saving and Retirement, and Other payments.
56GF Score

Get the complete analysis for OSL:NISB

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

kr100.20
Price
kr112.66
GF Value