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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.
Carver Bancorp's Sloan Ratio for the quarter that ended in Jun. 2026 was 0.00%.
As of Jun. 2026, Carver Bancorp has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Carver Bancorp (OTCPK:CARV) 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.
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 Jun. 2026, Carver Bancorp has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Carver Bancorp Sloan Ratio % Related Terms
Carver Bancorp Sloan Ratio % Historical Data
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The historical data trend for Carver Bancorp'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.
CARV vs EWSB, FSGB, MFBI: Sloan Ratio % Comparison
For the Banks - Regional subindustry, Carver Bancorp'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.
Carver Bancorp Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Carver Bancorp's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Carver Bancorp's Sloan Ratio % falls into.
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.
Carver Bancorp's Sloan Ratio for the fiscal year that ended in Mar. 2026 is calculated as
Carver Bancorp's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was -2.431 (Sep. 2025 ) + -1.708 (Dec. 2025 ) + -1.529 (Mar. 2026 ) + -1.795 (Jun. 2026 ) = $-7.46 Mil.
Carver Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was -1.585 (Sep. 2025 ) + 0 (Dec. 2025 ) + 0 (Mar. 2026 ) + 0 (Jun. 2026 ) = $-1.59 Mil.
Carver Bancorp's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was 12.221 (Sep. 2025 ) + 0 (Dec. 2025 ) + 0 (Mar. 2026 ) + 0 (Jun. 2026 ) = $12.22 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.
Carver Bancorp (CARV) has a Sloan Ratio % of 0.00% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Carver Bancorp and its competitors.
Is Carver Bancorp's Sloan Ratio % too high?
Carver Bancorp's current Sloan Ratio % is 0.00%. Overall, Carver Bancorp has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's Sloan Ratio % compare to EWSB and FSGB?
Carver Bancorp's Sloan Ratio % of 0.00% 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 Sloan Ratio % for a Banks company?
A good Sloan Ratio % depends on the Banks industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Carver Bancorp and its competitors. Carver Bancorp's current Sloan Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carver Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Carver Bancorp (CARV) is currently considered Modestly Overvalued. The stock's GF Value™ is $1.59, compared to a current price of $1.80 — trading 13.2% above its estimated fair value. The current Sloan Ratio % is 0.00%. Carver Bancorp's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Carver Bancorp (CARV), the current Sloan Ratio % is 0.00% as of Jun. 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 Carver Bancorp (CARV) Overvalued in 2026?
Based on GuruFocus' analysis, Carver Bancorp stock appears to be overvalued.
The current stock price of $1.80 is trading 13.2% above its estimated GF Value™ of $1.59.
GuruFocus considers Carver Bancorp to be Modestly Overvalued.
Key valuation signals for CARV:
Sloan Ratio %: 0.00%
GF Value™: $1.59 vs. price of $1.80 (13.2% above fair value)
No single metric tells the full story. See the CARV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Carver Bancorp Inc is a holding company and conducts its business as a unitary saving and loan holding firm and the business of the company consists of the operation of its subsidiary. The bank offers a wide range of financial solutions to meet customers' banking. It offers other consumer and commercial banking products and services, such as debit cards, online banking, online bill pay, and telephone banking. The company provides deposit products, such as demand, savings, and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its market area within New York City.
53GF Score
Get the complete analysis for CARV
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