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Solera National Bancorp Inc (SLRK)
OTHER OTC:SLRK
US Market
SLRK
Solera National Bancorp
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Solera National Bancorp (SLRK) Ratios

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Solera National Bancorp Ratios

SLRK's free cash flow for Q2 2026 was $0.57. For the 2026 fiscal year, SLRK's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.17 0.05 0.01 0.01 0.01
Quick Ratio
 0.17 0.05 0.01 0.01 0.01
Cash Ratio
 0.01 <0.01 <0.01 <0.01 <0.01
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.00 0.05 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.05 0.18 0.15 0.00
Net Current Asset Value
$ -1.42B$ -1.44B$ -1.07B$ -1.13B$ -926.77M
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.20 0.12 0.14 0.06
Debt-to-Equity Ratio
 1.11 2.93 1.58 2.16 0.97
Debt-to-Capital Ratio
 0.53 0.75 0.61 0.68 0.49
Long-Term Debt-to-Capital Ratio
 0.22 0.25 0.28 0.68 0.49
Financial Leverage Ratio
 12.95 14.57 13.15 15.42 17.24
Debt Service Coverage Ratio
 0.19 0.08 0.14 0.11 3.87
Interest Coverage Ratio
 0.97 1.05 0.80 0.81 4.50
Debt to Market Cap
 1.53 4.95 3.46 7.38 1.14
Interest Debt Per Share
 39.29 79.74 39.90 46.08 14.28
Net Debt to EBITDA
 3.79 9.54 5.41 7.50 2.25
Profitability Margins
Gross Profit Margin
60.78%63.05%59.32%57.37%88.04%
EBIT Margin
35.28%36.99%32.61%32.62%53.78%
EBITDA Margin
35.28%38.96%34.23%34.13%55.62%
Operating Profit Margin
35.28%36.99%32.61%32.62%53.78%
Pretax Profit Margin
35.28%36.99%32.61%32.62%53.78%
Net Profit Margin
26.14%27.44%23.97%25.55%44.44%
Continuous Operations Profit Margin
26.14%27.44%23.97%25.55%44.44%
Net Income Per EBT
74.10%74.18%73.50%78.33%82.63%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.66%1.48%1.54%1.36%1.83%
Return on Equity (ROE)
23.32%21.52%20.27%20.94%31.47%
Return on Capital Employed (ROCE)
2.39%2.42%10.60%8.38%19.10%
Return on Invested Capital (ROIC)
1.66%1.48%5.34%4.25%15.79%
Return on Tangible Assets
1.66%1.48%1.54%24.51%1.83%
Earnings Yield
29.64%36.32%44.24%39.65%36.94%
Efficiency Ratios
Receivables Turnover
 6.51 6.65 9.71 8.96 7.02
Payables Turnover
 0.00 12.21 9.70 9.81 11.16
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.87 2.30 2.25 2.31 1.62
Asset Turnover
 0.06 0.05 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.67 -0.14 -0.08 -0.07 -0.06
Cash Conversion Cycle
 56.06 25.01 -0.05 3.51 19.30
Days of Sales Outstanding
 56.06 54.90 37.59 40.72 52.01
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 29.89 37.64 37.21 32.71
Operating Cycle
 56.06 54.90 37.59 40.72 52.01
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 3.03 4.42 4.68 3.75
Free Cash Flow Per Share
 0.00 0.76 2.49 3.67 1.02
CapEx Per Share
 0.00 2.27 1.92 1.02 2.73
Free Cash Flow to Operating Cash Flow
 0.00 0.25 0.56 0.78 0.27
Dividend Paid and CapEx Coverage Ratio
 0.00 1.34 2.30 4.60 1.37
Capital Expenditure Coverage Ratio
 0.00 1.34 2.30 4.60 1.37
Operating Cash Flow Coverage Ratio
 0.00 0.04 0.13 0.12 0.29
Operating Cash Flow to Sales Ratio
 0.00 0.16 0.25 0.31 0.39
Free Cash Flow Yield
0.00%5.17%26.31%37.55%8.88%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 3.38 2.75 2.26 2.52 2.71
Price-to-Sales (P/S) Ratio
 0.88 0.76 0.54 0.64 1.20
Price-to-Book (P/B) Ratio
 0.72 0.59 0.46 0.53 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 19.35 3.80 2.66 11.26
Price-to-Operating Cash Flow Ratio
 0.00 4.87 2.15 2.08 3.07
Price-to-Earnings Growth (PEG) Ratio
 0.17 0.10 0.27 -0.28 0.04
Enterprise Value Multiple
 6.29 11.48 6.99 9.38 4.41
Enterprise Value
 218.44M 374.95M 180.01M 208.77M 100.37M
EV to EBITDA
 6.29 11.48 6.99 9.38 4.41
EV to Sales
 2.22 4.47 2.39 3.20 2.46
EV to Free Cash Flow
 0.00 114.56 16.79 13.23 22.97
EV to Operating Cash Flow
 0.00 28.81 9.48 10.36 6.26
Tangible Book Value Per Share
 27.91 24.86 20.69 16.79 13.50
Shareholders’ Equity Per Share
 27.91 24.86 20.69 18.48 13.50
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.26 0.22 0.17
Revenue Per Share
 22.90 19.50 17.50 15.15 9.56
Net Income Per Share
 5.99 5.35 4.19 3.87 4.25
Tax Burden
 0.74 0.74 0.74 0.78 0.83
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.13 0.15 0.08 0.11 0.07
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 0.57 1.05 1.21 0.88
Currency in USD