Solera National Bancorp (SLRK) AI Stock Analysis

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Solera National Bancorp

(Other OTC:SLRK)

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Rating:68Neutral

Price Target:$17.00▲(7.26% Upside)

Action:downgraded

Date:11/03/26

Strong financial performance and very low valuation support the score, but significant technical weakness, elevated leverage, and inconsistent free-cash-flow conversion reduce the overall rating.

Positive Factors

Revenue GrowthRevenue 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.

Negative Factors

Higher LeverageThe 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.

Solera National Bancorp (SLRK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $68.15M
Dividend Yield: ―
Average Volume (3M): 9,423
Price to Earnings (P/E): 6.6
Beta (1Y): 0.36
Revenue Growth: 4.24%
EPS Growth: -54.01%
Country: US
Employees: 84
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 professionals,...

Solera National Bancorp Financial Statement Overview

Summary

Strong revenue growth, solid profitability, and a 21.5% 2024 ROE support the score. Elevated leverage and weaker, volatile free-cash-flow conversion are notable risks.

Income Statement

88Very Positive

Balance Sheet

72Positive

Cash Flow

65Positive

Financial statement breakdown
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	3.27M	10.72M	15.77M	4.37M	3.99M
Operating Cash Flow	0	13.02M	19.00M	20.16M	16.03M	9.99M
Investing Cash Flow	0	-374.74M	44.87M	-226.17M	-372.70M	-210.45M
Financing Cash Flow	0	362.51M	-66.66M	206.33M	344.04M	206.00M

Solera National Bancorp Technical Analysis

Technical Analysis SentimentNegative

Last Price15.85

Price Trends

50DMA19.35Negative

100DMA19.70Negative

200DMA19.08Negative

Market Momentum

MACD-1.22Positive

RSI28.58Positive

STOCH44.08Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLRK, the sentiment is Negative. The current price of 15.85 is below the 20-day moving average (MA) of 17.92, below the 50-day MA of 19.35, and below the 200-day MA of 19.08, indicating a bearish trend. The MACD of -1.22 indicates Positive momentum. The RSI at 28.58 is Positive, neither overbought nor oversold. The STOCH value of 44.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SLRK.

Solera National Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

SLRK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	85Outperform	$113.10M	5.44	17.53%	―	24.01%	20.16%
ASRV	77Outperform	$80.36M	9.12	7.48%	2.45%	2.43%	75.47%
HFBL	74Outperform	$67.77M	11.19	11.12%	2.38%	7.94%	43.98%
SLRK	68Neutral	$67.72M	6.63	9.75%	―	4.24%	-54.01%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	63Neutral	$49.89M	15.15	5.83%	1.43%	2.23%	33.79%

* Financial Sector Average

Performance Comparison

SLRK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
SLRK	Solera National Bancorp	15.85	2.00	14.44%
ASRV	AmeriServ Financial, Inc.	4.90	1.96	66.55%
HFBL	Home Federal Bancorp Inc. Of Louisiana	23.95	8.75	57.56%
OPHC	Optimumbank	9.03	4.89	118.12%
TCBS	Texas Community Bancshares, Inc.	17.43	1.87	12.03%

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.

Date of analysis: Nov 03, 2026

Solera National Bancorp AI Stock Analysis