WOBK (Woodsboro Bk MD) Scaled Net Operating Assets: 0.03 (As of Dec. 2025)


WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $85.00
GF Value $64.87
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD Scaled Net Operating Assets?

Woodsboro Bk MD WOBK +3.66% 57 Scaled Net Operating Assets is 0.03 as of Dec. 2025. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 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.

Woodsboro Bk MD's operating assets for the quarter that ended in Dec. 2025 was $434.25 Mil. Woodsboro Bk MD's operating liabilities for the quarter that ended in Dec. 2025 was $422.42 Mil. Woodsboro Bk MD's Total Assets for the quarter that ended in Dec. 2024 was $438.48 Mil. Therefore, Woodsboro Bk MD's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

WOBK
57GF Score
Woodsboro Bk MD WOBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodsboro Bk MD 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.

Woodsboro Bk MD'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 )
=(434.245-422.415)/438.479
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=455.586 - 21.341
=434.245

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=423.64 - 1.225 - 0
=422.415

Woodsboro Bk MD'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 )
=(434.245-422.415)/438.479
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=455.586 - 21.341
=434.245

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=423.64 - 1.225 - 0
=422.415

* 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 0.03 mean?
Woodsboro Bk MD (WOBK) has a Scaled Net Operating Assets of 0.03 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 Woodsboro Bk MD and its competitors.
Is Woodsboro Bk MD's Scaled Net Operating Assets too high?
Woodsboro Bk MD's current Scaled Net Operating Assets is 0.03. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Scaled Net Operating Assets compare to FBPA and RBNK?
Woodsboro Bk MD's Scaled Net Operating Assets of 0.03 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 Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current Scaled Net Operating Assets is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $85.00 — trading 31% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current Scaled Net Operating Assets is 0.03 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?

Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued. The current stock price of $85.00 is trading 31% above its estimated GF Value™ of $64.87. GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.

Key valuation signals for WOBK:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: $64.87 vs. price of $85.00 (31% above fair value)
  • GF Score™: 57/100 with 4 warning signs

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

Woodsboro Bk MD Business Description

Address 5 North Main Street, Woodsboro, MD, USA, 21798
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF 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.

$85.00
Price
$64.87
GF Value