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Skyline Bankshares
(OTC:SLBK)
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Rating:81Outperform
Price Target:
$32.00
â–²(66.23% Upside)
Action:Reiterated
Date:05/22/26
SLBK scores well primarily on strong financial performance (improving profitability/ROE and low leverage) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is a notable positive given the low P/E and dividend yield. The main tempering factors are historical variability in margins and cash-flow conversion, while recent corporate governance approvals are modestly positive but not catalytic.
Positive Factors
Improving profitability and ROE
Sustained high TTM margins and a mid-teens ROE indicate the bank has improved core profitability and trend-level operational leverage. This durability supports internal capital generation, allows reinvestment or dividends, and underpins resilience across credit cycles over months to years.
Negative Factors
Margin volatility
Material swings in margins reduce predictability of earnings and make planning for loan loss provisioning, hiring, or dividend policy harder. Persistent margin variability can erode investor and creditor confidence and complicate multi-quarter cash-flow forecasting and capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and ROE
Sustained high TTM margins and a mid-teens ROE indicate the bank has improved core profitability and trend-level operational leverage. This durability supports internal capital generation, allows reinvestment or dividends, and underpins resilience across credit cycles over months to years.
Read all positive factors
Skyline Bankshares (SLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$155.99M
Dividend Yield2.76%
Average Volume (3M)2.54K
Price to Earnings (P/E)9.0
Beta (1Y)0.04
Revenue Growth16.59%
EPS Growth87.62%
CountryUS
Employees247
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.02
Shares Outstanding5,672,204
10 Day Avg. Volume538
30 Day Avg. Volume2,537
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.99
Price to Sales (P/S)1.44
P/FCF Ratio9.97
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue1.75
Enterprise Value/Gross Profit2.23
Enterprise Value/Ebitda5.65
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 S...
How the Company Makes Money
null...
Skyline Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 75.17M | 73.53M | 60.82M | 50.34M | 42.82M | 41.32M |
| Gross Profit | 59.20M | 57.31M | 45.64M | 42.62M | 40.29M | 38.17M |
| EBITDA | 23.33M | 22.06M | 11.88M | 14.33M | 14.97M | 13.99M |
| Net Income | 16.87M | 15.84M | 7.42M | 9.70M | 10.28M | 9.48M |
Balance Sheet | ||||||
| Total Assets | 1.31B | 1.29B | 1.22B | 1.05B | 997.73M | 995.85M |
| Cash, Cash Equivalents and Short-Term Investments | 19.70M | 20.07M | 23.73M | 149.01M | 165.25M | 150.05M |
| Total Debt | 6.62M | 1.28M | 32.00M | 25.00M | 1.32M | 8.20M |
| Total Liabilities | 1.20B | 1.19B | 1.13B | 962.96M | 924.80M | 910.65M |
| Stockholders Equity | 110.14M | 107.66M | 88.67M | 82.88M | 72.94M | 85.19M |
Cash Flow | ||||||
| Free Cash Flow | 12.95M | 10.64M | 9.04M | 8.50M | 6.83M | 3.73M |
| Operating Cash Flow | 20.17M | 18.77M | 12.74M | 11.34M | 10.63M | 9.55M |
| Investing Cash Flow | -74.65M | -68.74M | -44.36M | -53.38M | -107.22M | -122.67M |
| Financing Cash Flow | 36.43M | 53.71M | 28.98M | 33.07M | 12.00M | 133.07M |
Skyline Bankshares Technical Analysis
Positive
19.25
Price Trends
25.53
Positive
24.02
Positive
21.41
Positive
Market Momentum
0.58
Negative
71.76
Negative
82.60
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLBK, the sentiment is Positive. The current price of 19.25 is below the 20-day moving average (MA) of 26.53, below the 50-day MA of 25.53, and below the 200-day MA of 21.41, indicating a bullish trend. The MACD of 0.58 indicates Negative momentum. The RSI at 71.76 is Negative, neither overbought nor oversold. The STOCH value of 82.60 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Skyline Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $155.99M | 9.00 | 16.16% | 2.76% | 16.59% | 87.62% | |
73 Outperform | $131.66M | 15.79 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $107.44M | 18.25 | 4.77% | 3.50% | -1.84% | -3.36% | |
58 Neutral | $108.12M | -25.05 | -2.73% | 1.51% | -11.57% | -191.02% | |
56 Neutral | $103.36M | -25.98 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
SLBK
Skyline Bankshares
27.19
12.05
79.59%
LSBK
Lake Shore Bancorp
17.05
5.59
48.77%
PBHC
Pathfinder Bancorp
16.24
1.41
9.54%
PROV
Provident Financial Holdings
17.16
2.19
14.63%
RVSB
Riverview Bancorp
5.33
-0.04
-0.71%
Skyline Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
Skyline Bankshares Shareholders Approve Directors and Auditor Slate
Positive
May 21, 2026
At its annual meeting of shareholders held on May 19, 2026, Skyline Bankshares’ investors elected fifteen directors to serve one-year terms expiring at the 2027 annual meeting, with each nominee receiving strong support despite some withheld...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.