STLE (Steele Bancorp) Scaled Net Operating Assets: 0.14 (As of Dec. 2024)


STLE Steele Bancorp Inc STLE
52 GF Score
Price $42.50
GF Value $28.43
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Steele Bancorp Scaled Net Operating Assets?

Steele Bancorp STLE -1.16% 52 Scaled Net Operating Assets is 0.14 as of Dec. 2024. GuruFocus rates STLE with a GF Score™ of 52/100 and a GF Value™ of $28.43 (Significantly 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.

Steele Bancorp's operating assets for the quarter that ended in Dec. 2024 was $578.54 Mil. Steele Bancorp's operating liabilities for the quarter that ended in Dec. 2024 was $497.74 Mil. Steele Bancorp's Total Assets for the quarter that ended in Dec. 2023 was $560.59 Mil. Therefore, Steele Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2024 was 0.14.

STLE
52GF Score
Steele Bancorp Inc STLE
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Steele Bancorp 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.

Steele Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(578.54-497.735)/560.588
=0.14

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=596.702 - 18.162
=578.54

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=540.785 - 43.05 - 0
=497.735

Steele Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2024 )
=(Operating Assets (Q: Dec. 2024 )-Operating Liabilities (Q: Dec. 2024 ))/Total Assets (Q: Dec. 2023 )
=(578.54-497.735)/560.588
=0.14

where

Operating Assets(Q: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=596.702 - 18.162
=578.54

Operating Liabilities(Q: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=540.785 - 43.05 - 0
=497.735

* 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 0.14 mean?
Steele Bancorp (STLE) has a Scaled Net Operating Assets of 0.14 as of Dec. 2024. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Steele Bancorp and its competitors.
Is Steele Bancorp's Scaled Net Operating Assets too high?
Steele Bancorp's current Scaled Net Operating Assets is 0.14. Overall, Steele Bancorp has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Steele Bancorp's Scaled Net Operating Assets compare to RVCB and CZNL?
Steele Bancorp's Scaled Net Operating Assets of 0.14 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 Steele Bancorp and its competitors. Steele Bancorp's current Scaled Net Operating Assets is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steele Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Steele Bancorp (STLE) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.43, compared to a current price of $42.50 — trading 49.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. Steele Bancorp's overall GF Score™ is 52/100 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 Steele Bancorp (STLE), the current Scaled Net Operating Assets is 0.14 as of Dec. 2024. 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 Steele Bancorp (STLE) Overvalued in 2026?

Based on GuruFocus' analysis, Steele Bancorp stock appears to be overvalued. The current stock price of $42.50 is trading 49.5% above its estimated GF Value™ of $28.43. GuruFocus considers Steele Bancorp to be Significantly Overvalued.

Key valuation signals for STLE:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: $28.43 vs. price of $42.50 (49.5% above fair value)
  • GF Score™: 52/100 with 7 warning signs

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

Steele Bancorp Business Description

Address 250 East Chestnut Street, P.O. Box 186, Mifflinburg, PA, USA, 17844
Steele Bancorp Inc Formerly Mifflinburg Bancorp Inc is a United States-based commercial bank. Its principal activities and sources of revenues are commercial, mortgage, residential real estate, and consumer loan financing as well as a variety of deposit services provided to customers.
52GF 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.

$42.50
Price
$28.43
GF Value