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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.
As of Mar. 2026, Enterprise Financial Services has a Sloan Ratio of 3.55%, indicating the company is in the safe zone and there is no funny business with accruals.
Enterprise Financial Services (NAS:EFSC) 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 Mar. 2026, Enterprise Financial Services has a Sloan Ratio of 3.55%, indicating the company is in the safe zone and there is no funny business with accruals.
Enterprise Financial Services Sloan Ratio % Related Terms
Enterprise Financial Services Sloan Ratio % Historical Data
* 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.
EFSC vs INTR, BUSE, HAPN: Sloan Ratio % Comparison
For the Banks - Regional subindustry, Enterprise Financial Services'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.
Enterprise Financial Services Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services's Sloan Ratio % falls into.
Enterprise Financial Services 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.
Enterprise Financial Services's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 51.384 (Jun. 2025 ) + 45.235 (Sep. 2025 ) + 54.794 (Dec. 2025 ) + 49.362 (Mar. 2026 ) = $200.8 Mil.
Enterprise Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 61.287 (Jun. 2025 ) + 49.364 (Sep. 2025 ) + 42.842 (Dec. 2025 ) + 58.503 (Mar. 2026 ) = $212.0 Mil.
Enterprise Financial Services's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -366.53 (Jun. 2025 ) + -315.809 (Sep. 2025 ) + -30.868 (Dec. 2025 ) + 91.131 (Mar. 2026 ) = $-622.1 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.
Enterprise Financial Services (EFSC) has a Sloan Ratio % of 3.55% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Enterprise Financial Services and its competitors.
Is Enterprise Financial Services' Sloan Ratio % too high?
Enterprise Financial Services' current Sloan Ratio % is 3.55%. Overall, Enterprise Financial Services has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services' Sloan Ratio % compare to INTR and BUSE?
Enterprise Financial Services' Sloan Ratio % of 3.55% 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 Enterprise Financial Services and its competitors. Enterprise Financial Services's current Sloan Ratio % is 3.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services (EFSC) is currently considered Fairly Valued. The stock's GF Value™ is $64.09, compared to a current price of $68.49 — trading 6.9% above its estimated fair value. The current Sloan Ratio % is 3.55%. Enterprise Financial Services' overall GF Score™ is 69/100 with 6 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 Enterprise Financial Services (EFSC), the current Sloan Ratio % is 3.55% 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 Enterprise Financial Services (EFSC) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Financial Services stock appears to be overvalued.
The current stock price of $68.49 is trading 6.9% above its estimated GF Value™ of $64.09.
GuruFocus considers Enterprise Financial Services to be Fairly Valued.
Key valuation signals for EFSC:
Sloan Ratio %: 3.55%
GF Value™: $64.09 vs. price of $68.49 (6.9% above fair value)
No single metric tells the full story. See the EFSC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Financial Services Business Description
Enterprise Financial Services Corporation is a financial holding company. It offers banking and wealth management services to individuals and business customers located in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico, in addition to loan and deposit production offices throughout the United States. The company offers a broad range of business and personal banking services including wealth management services. Its Lending services include commercial and industrial, commercial real estate, real estate construction and development, residential real estate and consumer loans.
69GF Score
Get the complete analysis for EFSC
Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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