BTV Vier Lander Bank AG (STU:ZTY) Scaled Net Operating Assets: -0.04 (As of Mar. 2026)


STU:ZTY BTV Vier Lander Bank AG STU:ZTY
64 GF Score
Price €84.00
GF Value €59.80
Valuation Significantly Overvalued
! 6 Warning Signs
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What is BTV Vier Lander Bank AG Scaled Net Operating Assets?

BTV Vier Lander Bank AG STU:ZTY 64 Scaled Net Operating Assets is -0.04 as of Mar. 2026. GuruFocus rates STU:ZTY with a GF Score™ of 64/100 and a GF Value™ of €59.80 (Significantly Overvalued). The stock has 6 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.

BTV Vier Lander Bank AG's operating assets for the quarter that ended in Mar. 2026 was €13,080.3 Mil. BTV Vier Lander Bank AG's operating liabilities for the quarter that ended in Mar. 2026 was €13,676.6 Mil. BTV Vier Lander Bank AG's Total Assets for the quarter that ended in Sep. 2025 was €15,485.3 Mil. Therefore, BTV Vier Lander Bank AG's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.04.

STU:ZTY
64GF Score
BTV Vier Lander Bank AG STU:ZTY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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BTV Vier Lander Bank AG 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.

BTV Vier Lander Bank AG'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 )
=(12268.988-11723.519)/14856.795
=0.04

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=15391.383 - 3122.395
=12268.988

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12903.598 - 1180.079 - 0
=11723.519

BTV Vier Lander Bank AG'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: Sep. 2025 )
=(13080.259-13676.6)/15485.337
=-0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16430.894 - 3350.635
=13080.259

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=13726.534 - 49.934 - 0
=13676.6

* 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 -0.04 mean?
BTV Vier Lander Bank AG (STU:ZTY) has a Scaled Net Operating Assets of -0.04 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 BTV Vier Lander Bank AG and its competitors.
Is BTV Vier Lander Bank AG's Scaled Net Operating Assets too high?
BTV Vier Lander Bank AG's current Scaled Net Operating Assets is -0.04. Overall, BTV Vier Lander Bank AG has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BTV Vier Lander Bank AG's Scaled Net Operating Assets compare to PNC and USB?
BTV Vier Lander Bank AG's Scaled Net Operating Assets of -0.04 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 BTV Vier Lander Bank AG and its competitors. BTV Vier Lander Bank AG's current Scaled Net Operating Assets is -0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BTV Vier Lander Bank AG stock overvalued right now?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG (STU:ZTY) is currently considered Significantly Overvalued. The stock's GF Value™ is €59.80, compared to a current price of €84.00 — trading 40.5% above its estimated fair value. The current Scaled Net Operating Assets is -0.04. BTV Vier Lander Bank AG's overall GF Score™ is 64/100 with 6 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 BTV Vier Lander Bank AG (STU:ZTY), the current Scaled Net Operating Assets is -0.04 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 BTV Vier Lander Bank AG (STU:ZTY) Overvalued in 2026?

Based on GuruFocus' analysis, BTV Vier Lander Bank AG stock appears to be overvalued. The current stock price of €84.00 is trading 40.5% above its estimated GF Value™ of €59.80. GuruFocus considers BTV Vier Lander Bank AG to be Significantly Overvalued.

Key valuation signals for STU:ZTY:

  • Scaled Net Operating Assets: -0.04
  • GF Value™: €59.80 vs. price of €84.00 (40.5% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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

BTV Vier Lander Bank AG Business Description

Other Exchanges BTS:Austria
Address Stadtforum 1, Innsbruck, AUT, 6020
BTV Vier Lander Bank AG provides banking and financial products and services. It operates in Austria, Switzerland and Germany. It has corporate clients, retail clients, institutional clients and banks, leasing, and cable cars segments. The firm derives the majority of the revenues from the corporate client's segment.
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.

€84.00
Price
€59.80
GF Value