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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 Jun. 2026, National Bank of OmanOG has a Sloan Ratio of -2.21%, indicating the company is in the safe zone and there is no funny business with accruals.
National Bank of OmanOG (MUS:NBOB) 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, National Bank of OmanOG has a Sloan Ratio of -2.21%, indicating the company is in the safe zone and there is no funny business with accruals.
National Bank of OmanOG Sloan Ratio % Related Terms
National Bank of OmanOG 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.
For the Banks - Regional subindustry, National Bank of OmanOG'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.
National Bank of OmanOG Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of OmanOG's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where National Bank of OmanOG'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.
National Bank of OmanOG's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
National Bank of OmanOG's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 17.743 (Sep. 2025 ) + 18.439 (Dec. 2025 ) + 19.466 (Mar. 2026 ) + 19.624 (Jun. 2026 ) = ر.ع75.3 Mil.
National Bank of OmanOG's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was -317.593 (Sep. 2025 ) + 0.572 (Dec. 2025 ) + 332.612 (Mar. 2026 ) + 246.99 (Jun. 2026 ) = ر.ع262.6 Mil.
National Bank of OmanOG's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was 53.681 (Sep. 2025 ) + -13.897 (Dec. 2025 ) + -80.349 (Mar. 2026 ) + -9.07 (Jun. 2026 ) = ر.ع-49.6 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.
National Bank of OmanOG (MUS:NBOB) has a Sloan Ratio % of -2.21% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on National Bank of OmanOG and its competitors.
Is National Bank of OmanOG's Sloan Ratio % too high?
National Bank of OmanOG's current Sloan Ratio % is -2.21%. Overall, National Bank of OmanOG has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of OmanOG's Sloan Ratio % compare to PNC and USB?
National Bank of OmanOG's Sloan Ratio % of -2.21% 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 National Bank of OmanOG and its competitors. National Bank of OmanOG's current Sloan Ratio % is -2.21%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of OmanOG stock overvalued right now?
Based on GuruFocus' analysis, National Bank of OmanOG (MUS:NBOB) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.31, compared to a current price of ر.ع0.49 — trading 58.1% above its estimated fair value. The current Sloan Ratio % is -2.21%. National Bank of OmanOG's overall GF Score™ is 44/100 with 7 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 National Bank of OmanOG (MUS:NBOB), the current Sloan Ratio % is -2.21% 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 National Bank of OmanOG (MUS:NBOB) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of OmanOG stock appears to be overvalued.
The current stock price of ر.ع0.49 is trading 58.1% above its estimated GF Value™ of ر.ع0.31.
GuruFocus considers National Bank of OmanOG to be Significantly Overvalued.
Key valuation signals for MUS:NBOB:
Sloan Ratio %: -2.21%
GF Value™: ر.ع0.31 vs. price of ر.ع0.49 (58.1% above fair value)
No single metric tells the full story. See the MUS:NBOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Oman SAOG operates with segments including Retail Banking, Wholesale Banking, International Banking, Islamic Banking, and the Funding Centre. Retail Banking offers products and facilities to individual and high net-worth customers, including personal loans, housing loans, credit cards, term loans, and deposit accounts. Wholesale Banking generates the maximum revenue and provides lending, deposits, trade finance, treasury, foreign exchange, and investment banking services. International Banking includes operations in the UAE and Egypt, while Islamic Banking offers Shari'a-compliant products. The Funding Centre manages liquidity, fund allocation, and investments, including asset/liability management and cash instruments. The company generates maximum revenue from Oman.
44GF Score
Get the complete analysis for MUS:NBOB
Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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