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Solera National Bancorp
(OTC:SLRK)
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Rating:76Outperform
Price Target:
$22.50
▲(11.94% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid financial performance (strong profitability and multi-year growth) and very attractive valuation (low P/E). Technicals add support with the stock trading above key moving averages and positive momentum, while the main constraint is higher financial risk from the sharp increase in leverage and weakening free cash flow.
Positive Factors
Multi-year revenue growth
Sustained revenue expansion from $16.6M to $83.8M over five years signals durable market traction and successful scaling. This larger revenue base improves operating leverage potential, supports reinvestment capacity, and underpins long-term competitive positioning versus smaller peers.
Negative Factors
Sharp rise in leverage
A material increase in debt more than doubles leverage, reducing financial flexibility and increasing interest and refinancing risk. Elevated leverage makes the firm more vulnerable to adverse operating or rate environments and constrains capital allocation choices over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
Sustained revenue expansion from $16.6M to $83.8M over five years signals durable market traction and successful scaling. This larger revenue base improves operating leverage potential, supports reinvestment capacity, and underpins long-term competitive positioning versus smaller peers.
Read all positive factors
Solera National Bancorp (SLRK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$86.21M
Dividend YieldN/A
Average Volume (3M)15.47K
Price to Earnings (P/E)3.4
Beta (1Y)0.19
Revenue Growth26.06%
EPS Growth20.54%
CountryUS
Employees84
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.98
Shares Outstanding4,299,953
10 Day Avg. Volume15,369
30 Day Avg. Volume15,471
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.59
Price to Sales (P/S)0.76
P/FCF Ratio19.35
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
Solera National Bancorp Business Overview & Revenue Model
Company Description
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 professiona...
Solera National Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
58
Neutral
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 98.49M | 83.83M | 75.25M | 65.19M | 40.88M | 24.94M |
| Gross Profit | 59.86M | 52.86M | 44.64M | 37.40M | 35.99M | 24.08M |
| EBITDA | 34.75M | 32.66M | 25.75M | 22.25M | 22.74M | 15.12M |
| Net Income | 25.75M | 23.01M | 18.04M | 16.66M | 18.17M | 11.09M |
Balance Sheet | ||||||
| Total Assets | 1.55B | 1.56B | 1.17B | 1.23B | 995.32M | 652.43M |
| Cash, Cash Equivalents and Short-Term Investments | 1.36M | 1.61M | 1.72M | 5.32M | 4.99M | 17.38M |
| Total Debt | 132.94M | 313.23M | 140.97M | 172.08M | 56.17M | 4.00M |
| Total Liabilities | 1.43B | 1.45B | 1.08B | 1.15B | 937.59M | 593.50M |
| Stockholders Equity | 120.03M | 106.89M | 88.95M | 79.54M | 57.73M | 58.93M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.27M | 10.72M | 15.77M | 4.37M | 3.99M |
| Operating Cash Flow | 0.00 | 13.02M | 19.00M | 20.16M | 16.03M | 9.99M |
| Investing Cash Flow | 0.00 | -374.74M | 44.87M | -226.17M | -372.70M | -210.45M |
| Financing Cash Flow | 0.00 | 362.51M | -66.66M | 206.33M | 344.04M | 206.00M |
Solera National Bancorp Technical Analysis
Neutral
20.10
Price Trends
20.06
Negative
19.66
Positive
17.87
Positive
Market Momentum
>-0.01
Positive
46.38
Neutral
73.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLRK, the sentiment is Neutral. The current price of 20.1 is below the 20-day moving average (MA) of 20.20, above the 50-day MA of 20.06, and above the 200-day MA of 17.87, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 46.38 is Neutral, neither overbought nor oversold. The STOCH value of 73.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SLRK.
Solera National Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $113.35M | 5.19 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $79.07M | 12.74 | 10.69% | 2.14% | 7.71% | 60.72% | |
76 Outperform | $86.21M | 3.35 | 23.32% | ― | 26.06% | 20.54% | |
73 Outperform | $85.92M | 9.97 | 7.13% | 2.37% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.27M | 14.58 | 6.14% | 1.43% | 5.94% | 51.02% |
* Financial Sector Average
SLRK
Solera National Bancorp
20.15
10.54
109.79%
ASRV
Ameriserv Financial
4.65
1.83
64.66%
HFBL
Home Federal Bancorp Of Louisiana
25.00
11.91
90.99%
OPHC
Optimumbank Holdings
8.96
4.70
110.33%
TCBS
Texas Community
17.49
1.53
9.57%
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.