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Skyline Bankshares
(OTC:SLBK)
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Rating:73Outperform
Price Target:
$30.00
â–²(13.64% Upside)
Action:Reiterated
Date:08/21/26
The score is driven primarily by solid financial performance (improving margins, healthy ROE, and positive cash flow) tempered by historical volatility and less-than-perfect cash conversion. Valuation is a key positive with a low P/E and a reasonable dividend yield, while technicals are only mildly bullish with mostly neutral momentum indicators. A dividend increase adds a modest positive boost via corporate events.
Positive Factors
Strong profitability and capital efficiency
Improved net and EBIT margins, together with ROE near 16.6%, indicate effective use of capital and a stronger earnings base. Sustained profitability can support organic growth, resilience, and shareholder returns over the next several quarters.
Negative Factors
Earnings volatility
Material swings in profitability reduce confidence that recent margin and earnings improvements will persist. For a regional bank, inconsistent results can complicate capital planning, dividend growth, and the ability to absorb changing credit or economic conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and capital efficiency
Improved net and EBIT margins, together with ROE near 16.6%, indicate effective use of capital and a stronger earnings base. Sustained profitability can support organic growth, resilience, and shareholder returns over the next several quarters.
Read all positive factors
Skyline Bankshares (SLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$155.42M
Dividend Yield2.04%
Average Volume (3M)3.02K
Price to Earnings (P/E)8.7
Beta (1Y)0.10
Revenue Growth11.94%
EPS Growth64.32%
CountryUS
Employees247
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.23
Shares Outstanding5,672,204
10 Day Avg. Volume3,061
30 Day Avg. Volume3,017
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
74
Positive
Cash Flow
70
Positive
| 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 | 24.12M | 22.06M | 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
Positive
26.40
Price Trends
26.72
Positive
25.42
Positive
22.96
Positive
Market Momentum
0.24
Negative
71.32
Negative
90.87
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 26.4 is below the 20-day moving average (MA) of 27.00, below the 50-day MA of 26.72, and above the 200-day MA of 22.96, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 71.32 is Negative, neither overbought nor oversold. The STOCH value of 90.87 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $135.40M | 15.40 | 5.91% | 2.09% | 5.96% | 49.37% | |
73 Outperform | $155.42M | 8.67 | 16.60% | 2.16% | 11.94% | 64.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.51M | 17.78 | 5.23% | 3.25% | -0.79% | 11.59% | |
56 Neutral | $98.64M | -24.61 | -1.08% | 2.50% | -7.07% | -307.72% | |
54 Neutral | $103.76M | -26.94 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
SLBK
Skyline Bankshares
28.00
11.59
70.60%
LSBK
Lake Shore Bancorp
17.25
4.27
32.87%
PBHC
Pathfinder Bancorp
15.57
1.02
7.02%
PROV
Provident Financial Holdings
18.31
3.32
22.12%
RVSB
Riverview Bancorp
5.15
0.29
6.05%
Skyline Bankshares Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Skyline Bankshares Boosts Semi-Annual Cash Dividend Payout
Positive
Aug 21, 2026
On 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 Sept...
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.