Solera National Bancorp stock analysis
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Solera National Bancorp (SLRK) Stock Price & Analysis
SLRK Stock Chart & Stats
- Day’s Range
- $15.70 - $15.80
- 52-Week Range
- $13.56 - $21.70
- Previous Close
- $15.75
- Volume
- N/A
- Average Volume (3M)
- 4,451
- Market Cap
- $67.72M
- Enterprise Value
- $277.54M
- Total Cash (Recent Filing)
- $1.36M
- Total Debt (Recent Filing)
- $132.94M
- Price to Earnings (P/E)
- 6.6
- Beta
- 0.37
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Revenue growth has materially expanded the company’s operating scale over several years, indicating stronger business activity and an established ability to grow beyond its earlier base. A larger revenue platform can support continued investment and improve the potential for sustained earnings generation.
Profitability
Sustained returns on equity above 20% demonstrate strong profitability relative to the capital base, while higher net income confirms continued earnings growth in 2025. This level of profitability can strengthen retained capital and provide a durable foundation for future operations.
Positive Cash Generation
The company continued to generate positive operating and free cash flow in 2025, showing that its business produced cash after operating needs and investment. Although conversion weakened, ongoing positive cash generation remains a useful source of internal funding and financial support.
Bears Say
Higher Leverage
The sharp increase in debt materially raises balance-sheet leverage and reduces financial flexibility compared with the prior year. Greater borrowings can increase the company’s exposure to operating weakness and constrain its ability to fund growth or absorb adverse conditions using its existing resources.
Weaker Cash Conversion
Declining operating and free cash flow indicates that reported earnings are converting into cash less effectively than in earlier years. Weaker conversion can limit internally generated funding, reduce flexibility for capital allocation, and make the quality of earnings more dependent on future improvement in cash generation.
Cooling Growth And Margins
The moderation in recent growth and normalization of margins create a less favorable earnings trajectory than the company experienced during its strongest expansion years. If this pattern persists, slower revenue gains and lower profitability could reduce the pace of earnings compounding and limit operating leverage.
Solera National Bancorp News
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Solera National Bancorp Stock Smart Score
Company Description
Solera National Bancorp
Solera National Bancorp, Inc. functions as the holding company for Solera National Bank, providing a full spectrum of commercial and consumer banking services. Its primary client base includes small to medium-sized businesses, licensed professionals, and individual customers across the United States. The bank offers a diverse range of deposit products, such as traditional checking and savings accounts, money market accounts, various time and demand deposits, and certificates of deposit. For its business clients, Solera provides numerous lending options, including real estate-secured loans, construction financing, Small Business Administration (SBA) loans, flexible business lines of credit, and equipment financing. Furthermore, the company supports its customers with an extensive suite of additional services, encompassing online banking, individual and combined account analysis, commercial sweep services, remote deposit capabilities, ACH origination, payroll direct deposit, merchant services, fraud prevention tools, business debit cards, and comprehensive cash management solutions. Solera also extends its offerings to include self-directed checking accounts and non-resource financing options. The institution commenced operations in 2005 and is headquartered in Lakewood, Colorado.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Michael Drew Quagliano
- Employees
- 84
- Website
- www.solerabank.com
- Address
- 319 South Sheridan Boulevard, Lakewood, CO, 80226, US
Solera National Bancorp (SLRK) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 5 | 14 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 0 | 0 | 12 |


