Skyline Bankshares (SLBK) AI Stock Analysis

• Market Cap: $100.04M
• Dividend Yield: 2.94%
• Average Volume (3M): 2.66K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.09
• Revenue Growth: 26.51%
• EPS Growth: 34.95%
• Country: US
• Employees: 248
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 5,651,704
• 10 Day Avg. Volume: 950
• 30 Day Avg. Volume: 2,657
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 1.73
• Enterprise Value/Gross Profit: 1.99
• Enterprise Value/Ebitda: 7.08
• 1Y Price Target: $19.00
• Price Target Upside: 5.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $19.00 ▲(5.67% Upside)

Skyline Bankshares demonstrates a strong financial position with efficient cash flow management and a solid balance sheet. The stock's technical indicators are favorable, showing a bullish trend. Additionally, the company's attractive valuation with a low P/E ratio and a decent dividend yield enhances its investment appeal. The recent dividend declaration further supports shareholder value.

Skyline Bankshares Business Overview & Revenue Model

Company Description

Skyline Bankshares, Inc. operates as the holding company for the Skyline National Bank that provides various banking and financial services to individuals, and small and medium sized businesses in the United States. Its deposit products include savings, demand, NOW, and money market deposits; individual retirement accounts; and certificates of deposit. The company also provides single and multi-family housing loans, farm loans, residential and commercial construction loans, loans for commercial real estate, commercial and agricultural production loans, commercial lines of credit, and mortgage loans, as well as consumer loans, such as loans for household expenditures, car loans, and other loans. The company was formerly known as Parkway Acquisition Corp. The company was founded in 1900 and is headquartered in Floyd, Virginia.

How the Company Makes Money

Skyline Bankshares generates revenue primarily through interest income, which is derived from loans made to customers, including personal loans, business loans, and mortgages. As borrowers repay their loans with interest, the bank earns a substantial portion of its revenue. Additionally, the bank earns non-interest income from various fees associated with account maintenance, transaction services, and investment products. Key revenue streams include service charges on deposit accounts, loan origination fees, and commissions from investment sales. The bank's focus on community engagement and customer service fosters loyalty and growth within its client base, contributing to sustained earnings. Partnerships with local businesses and organizations also enhance its visibility and potential customer reach in the marketplace.

Skyline Bankshares Financial Statement Overview

Summary

Skyline Bankshares presents a stable financial profile with strong cash flow management and a solid balance sheet. While revenue growth has faced challenges, the company maintains efficient operations with strong margins. The low leverage and healthy equity position provide a cushion against potential risks.

Income Statement

Skyline Bankshares has demonstrated a stable revenue base with a slight decline in total revenue from the previous year. The gross profit margin remains strong at 100%, indicating efficient cost management. However, the net profit margin has decreased, reflecting a drop in net income. The EBIT and EBITDA margins are consistent, but the revenue growth rate has turned negative, signaling potential challenges in maintaining revenue growth.

Balance Sheet

The balance sheet shows a solid equity base with a debt-to-equity ratio of 0.28, indicating low leverage. The return on equity (ROE) has decreased, suggesting reduced profitability relative to equity. The equity ratio remains healthy at 7.28%, reflecting a stable financial position. Overall, the company maintains a strong balance sheet with manageable debt levels.

Cash Flow

Skyline Bankshares has shown positive free cash flow growth, indicating effective cash management. The operating cash flow to net income ratio is robust, suggesting strong cash generation relative to net income. The free cash flow to net income ratio is also favorable, highlighting efficient capital expenditure management. Overall, the cash flow position is strong, supporting the company's financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	60.85M	60.82M	50.34M	42.82M	41.32M	37.04M
Gross Profit	52.82M	45.64M	50.34M	42.82M	41.32M	37.04M
EBITDA	14.87M	14.30M	14.33M	14.97M	13.99M	9.39M
Net Income	10.93M	7.42M	9.70M	10.28M	9.48M	5.87M
Balance Sheet
Total Assets	1.28B	1.22B	1.05B	997.73M	998.90M	858.59M
Cash, Cash Equivalents and Short-Term Investments	49.35M	23.73M	149.01M	165.25M	150.05M	128.38M
Total Debt	37.50M	25.00M	27.50M	739.00K	8.75M	10.68M
Total Liabilities	1.18B	1.13B	962.96M	924.80M	913.71M	773.48M
Stockholders Equity	97.85M	88.67M	82.88M	72.94M	85.19M	85.11M
Cash Flow
Free Cash Flow	12.41M	9.04M	8.50M	3.33M	3.73M	2.04M
Operating Cash Flow	17.86M	12.74M	11.34M	10.63M	9.55M	6.56M
Investing Cash Flow	-71.84M	-44.36M	-53.38M	-107.22M	-122.67M	-97.17M
Financing Cash Flow	68.20M	28.98M	33.07M	12.00M	133.07M	141.91M

Skyline Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 17.98 is above the 20-day moving average (MA) of 17.19, above the 50-day MA of 16.94, and above the 200-day MA of 14.28, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 63.65 is Neutral, neither overbought nor oversold. The STOCH value of 56.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SLBK.

Skyline Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SLBK	75 Outperform	$100.04M	9.03	11.99%	2.94%	26.51%	34.95%
LSBK	68 Neutral	$99.27M	17.15	6.43%	2.76%	1.31%	33.35%
PROV	68 Neutral	$103.79M	17.06	4.84%	3.56%	2.53%	-12.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RVSB	64 Neutral	$105.79M	20.58	3.25%	1.53%	10.30%	170.86%
CFSB	54 Neutral	$92.47M	―	-0.35%	―	11.64%	-913.46%
PBHC	47 Neutral	$93.27M	162.06	2.33%	2.65%	8.19%	―

Skyline Bankshares Corporate Events

Skyline Bankshares Joins Raymond James Bank Conference

On September 3 and 4, 2025, Skyline Bankshares, Inc. participated in the Raymond James U.S. Bank Conference in Chicago, Illinois. The company furnished its presentation materials to the Securities and Exchange Commission, although this information is not considered filed under the Securities Exchange Act of 1934, nor incorporated into any registration statements under the Securities Act of 1933.

Skyline Bankshares Declares Semi-Annual Cash Dividend

On August 25, 2025, Skyline Bankshares, Inc. announced a semi-annual cash dividend of $0.27 per share, declared by the Board of Directors on August 19, 2025. This dividend is payable on September 22, 2025, to shareholders recorded by September 12, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.