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Skyline Bankshares (SLBK) AI Stock Analysis
Skyline Bankshares
(Other OTC:SLBK)
The score is driven primarily by solid financial performance (improving profitability, healthy ROE, and positive free cash flow), supported by attractive valuation (low P/E with a dividend). Offsetting factors include technically overextended momentum (high RSI/Stoch) and some cash-flow reliability/cash-conversion unevenness, while corporate events are a modest positive due to the dividend increase and investor engagement.
Skyline Bankshares (SLBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $158.82M
- Dividend Yield
- 2.21%
- Average Volume (3M)
- 7,158
- Price to Earnings (P/E)
- 8.2
- Beta (1Y)
- 0.11
- Revenue Growth
- 9.24%
- EPS Growth
- 35.79%
- Country
- US
- Employees
- 247
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Skyline Bankshares Business Overview & Revenue Model
Company Description
Skyline Bankshares, Inc. acts as the holding company for Skyline National Bank, a financial institution that offers a comprehensive range of banking and financial services to individuals and small to medium-sized businesses throughout the United Stat...
How the Company Makes Money
Skyline Bankshares primarily makes money through the earnings generated by its bank subsidiary. The largest economic driver for a community bank is usually net interest income: the bank earns interest and fees on loans (such as commercial real estate...
Skyline Bankshares Financial Statement Overview
Summary
Financial statements are solid overall: income statement strength (78) reflects a meaningful rebound in profitability (TTM net margin ~23.5%, EBIT margin ~29.9%) and strong recent revenue momentum, while the balance sheet (74) shows manageable leverage (TTM debt-to-equity ~0.24) and healthy ROE (~16.6%). Cash flow (70) is positive with improving FCF (~$15.3M) and strong FCF growth, but uneven cash conversion (~68% of net income) and noted volatility/data inconsistency temper the score.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.76M | 73.53M | 60.82M | 50.34M | 42.82M | 41.32M |
| Gross Profit | 61.27M | 57.31M | 45.64M | 42.62M | 40.29M | 38.17M |
| EBITDA | 24.29M | 22.84M | 11.88M | 14.33M | 14.97M | 13.99M |
| Net Income | 18.05M | 15.84M | 7.42M | 9.70M | 10.28M | 9.48M |
Balance Sheet | ||||||
| Total Assets | 1.33B | 1.29B | 1.22B | 1.05B | 997.73M | 995.85M |
| Cash, Cash Equivalents and Short-Term Investments | 19.53M | 20.07M | 23.73M | 149.01M | 165.25M | 150.05M |
| Total Debt | 27.68M | 1.28M | 32.00M | 25.00M | 1.32M | 8.20M |
| Total Liabilities | 1.22B | 1.19B | 1.13B | 962.96M | 924.80M | 910.65M |
| Stockholders Equity | 115.28M | 107.66M | 88.67M | 82.88M | 72.94M | 85.19M |
Cash Flow | ||||||
| Free Cash Flow | 15.34M | 10.64M | 9.04M | 8.50M | 6.83M | 3.73M |
| Operating Cash Flow | 20.72M | 18.77M | 12.74M | 11.34M | 10.63M | 9.55M |
| Investing Cash Flow | -72.77M | -68.74M | -44.36M | -53.38M | -107.22M | -122.67M |
| Financing Cash Flow | 27.28M | 53.71M | 28.98M | 33.07M | 12.00M | 133.07M |
Skyline Bankshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLBK, the sentiment is Neutral. The current price of 28.00 is below the 20-day moving average (MA) of 28.26, below the 50-day MA of 28.07, and above the 200-day MA of 24.83, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 47.20 is Neutral, neither overbought nor oversold. The STOCH value of 50.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SLBK.
Skyline Bankshares Risk Analysis
Skyline Bankshares disclosed 22 risk factors in its most recent earnings report. Skyline Bankshares reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksSkyline Bankshares Peers Comparison
Overall Rating
LSBK75Outperform- SLBK73Outperform
PROV60Neutral
PBHC58Neutral
RVSB49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| SLBK | 73Outperform | $158.82M | 8.23 | 17.00% | 2.21% | 9.24% | 35.79% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PROV | 60Neutral | $113.27M | 17.81 | 5.18% | 3.08% | 0.19% | 13.84% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
| RVSB | 49Neutral | $119.92M | -41.56 | -2.02% | 1.33% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SLBK | Skyline Bankshares, Inc. | 28.00 | 10.20 | 57.35% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% | |
| PROV | Provident Financial Holdings | 18.17 | 3.16 | 21.02% | |
| RVSB | Riverview | 6.01 | 0.89 | 17.29% |
Skyline Bankshares Corporate Events
Skyline Bankshares Highlights Strategy at Banking Tech Conference
PositiveOn September 9, 2026, Skyline Bankshares, Inc. participated in the Raymond James U.S. Bank and Banking on Tech Conferences in Chicago, signaling an active effort to engage with investors and peers in the banking and financial technology community. Th...
Skyline Bankshares Boosts Semi-Annual Cash Dividend Payout
PositiveOn August 21, 2026, Skyline Bankshares, Inc. announced that its Board of Directors had declared a semi-annual cash dividend of $0.32 per share on the company’s common stock, payable on September 21, 2026, to shareholders of record as of Septemb...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 09, 2026