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1895 Bancorp of Wisconsin (1895 Bancorp of Wisconsin) Sloan Ratio % : 2.37% (As of Mar. 2024)


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What is 1895 Bancorp of Wisconsin Sloan Ratio %?

Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.

1895 Bancorp of Wisconsin's Sloan Ratio for the quarter that ended in Mar. 2024 was 2.37%.

As of Mar. 2024, 1895 Bancorp of Wisconsin has a Sloan Ratio of 2.37%, indicating the company is in the safe zone and there is no funny business with accruals.


1895 Bancorp of Wisconsin Sloan Ratio % Historical Data

The historical data trend for 1895 Bancorp of Wisconsin's Sloan Ratio % can be seen below:

* 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.

* Premium members only.

1895 Bancorp of Wisconsin Sloan Ratio % Chart

1895 Bancorp of Wisconsin Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Sloan Ratio %
Get a 7-Day Free Trial -13.68 1.26 8.86 9.65 4.17

1895 Bancorp of Wisconsin Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Sloan Ratio % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.62 2.86 2.18 4.17 2.37

Competitive Comparison of 1895 Bancorp of Wisconsin's Sloan Ratio %

For the Banks - Regional subindustry, 1895 Bancorp of Wisconsin's Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


1895 Bancorp of Wisconsin's Sloan Ratio % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, 1895 Bancorp of Wisconsin's Sloan Ratio % distribution charts can be found below:

* The bar in red indicates where 1895 Bancorp of Wisconsin's Sloan Ratio % falls into.



1895 Bancorp of Wisconsin Sloan Ratio % Calculation

Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.

1895 Bancorp of Wisconsin's Sloan Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Sloan Ratio=(Net Income (A: Dec. 2023 )-Cash Flow from Operations (A: Dec. 2023 )
-Cash Flow from Investing (A: Dec. 2023 ))/Total Assets (A: Dec. 2023 )
=(-6.792--0.709
--29.32)/557.607
=4.17%

1895 Bancorp of Wisconsin's Sloan Ratio for the quarter that ended in Mar. 2024 is calculated as

Sloan Ratio=(Net Income (TTM)-Cash Flow from Operations (TTM))
-Cash Flow from Investing (TTM))/Total Assets (Q: Mar. 2024 )
=(-6.737--0.02
--20.092)/564.249
=2.37%

1895 Bancorp of Wisconsin's Net Income for the trailing twelve months (TTM) ended in Mar. 2024 was -0.508 (Jun. 2023 ) + -3.641 (Sep. 2023 ) + -2.282 (Dec. 2023 ) + -0.306 (Mar. 2024 ) = $-6.74 Mil.
1895 Bancorp of Wisconsin's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2024 was 0.251 (Jun. 2023 ) + 0.512 (Sep. 2023 ) + -0.385 (Dec. 2023 ) + -0.398 (Mar. 2024 ) = $-0.02 Mil.
1895 Bancorp of Wisconsin's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2024 was -9.214 (Jun. 2023 ) + -1.401 (Sep. 2023 ) + -12.889 (Dec. 2023 ) + 3.412 (Mar. 2024 ) = $-20.09 Mil.

* 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.


1895 Bancorp of Wisconsin  (NAS:BCOW) Sloan Ratio % Explanation

A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.

According to How to Beat the Market with the Sloan Ratio:

If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.

If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.

If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.

As of Mar. 2024, 1895 Bancorp of Wisconsin has a Sloan Ratio of 2.37%, indicating the company is in the safe zone and there is no funny business with accruals.


1895 Bancorp of Wisconsin Sloan Ratio % Related Terms

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1895 Bancorp of Wisconsin (1895 Bancorp of Wisconsin) Business Description

Traded in Other Exchanges
N/A
Address
7001 West Edgerton Avenue, Greenfield, WI, USA, 53220
1895 Bancorp of Wisconsin Inc acts as the mutual holding company reorganization of PyraMax Bank, FSB, to become the savings and loan holding company of PyraMax Bank, FSB. Its business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to-four family residential real estate loans, commercial real estate loans, commercial loans, and consumer loans.
Executives
Steven T. Klitzing officer: SVP and CFO 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Gary Zenobi director 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
David R Ball director, officer: President and CEO 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Kristina Hill director C/O 1895 BANCORP OF WISCONSIN, INC., 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Thomas K. Peterson officer: SVP and Comm Lending Officer 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Monica Baker officer: EVP and COO 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Daniel Kempel officer: SVP and CCO 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Richard B Hurd director, officer: EVP - Strategic Planning Ofcr 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Eric T. Hurd officer: SVP and CLO 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Joseph G. Murphy director 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
James Spiegelberg director 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
John Talsky director 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Richard J Krier officer: Chief Financial Officer 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Darrell A. Francis director 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220
Charles Mauer officer: SVP and Chief Credit Officer 7001 WEST EDGERTON AVENUE, GREENFIELD WI 53220