How does SLBK's PE Ratio compare to its peers?

SLBK is good value based on its Price-To-Earnings Ratio (9.7x) compared to the peer average (11.6x).

How does SLBK's PE Ratio compare vs other companies in the US Banks Industry?

SLBK is good value based on its Price-To-Earnings Ratio (9.7x) compared to the US Banks industry average (12.4x).

What is SLBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate SLBK's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of SLBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

SLBK ($12.22) is trading below our estimate of [[fair value]] ($42.62)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

SLBK Stock Overview

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. More details

SLBK fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 71.3% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($69M)

Profit margins (16.5%) are lower than last year (24.5%)

My Notes

Capture your thoughts, links and company narrative

Skyline Bankshares, Inc. Competitors

River Valley Community Bancorp

OTCPK:RVCB

US$68.4m

Bank of the James Financial Group

NasdaqCM:BOTJ

US$69.6m

Potomac Bancshares

OTCPK:PTBS

US$68.3m

Community Heritage Financial

OTCPK:CMHF

US$70.1m

Price History & Performance

Summary of share price highs, lows and changes for Skyline Bankshares
Historical stock prices
Current Share Price	US$12.22
52 Week High	US$12.75
52 Week Low	US$9.66
Beta	0.45
1 Month Change	0.99%
3 Month Change	0.16%
1 Year Change	8.62%
3 Year Change	-7.42%
5 Year Change	-3.40%
Change since IPO	52.75%

Recent updates

Shareholder Returns

	SLBK	US Banks	US Market
7D	0.9%	-3.4%	-2.2%
1Y	8.6%	29.3%	23.9%

Return vs Industry: SLBK underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: SLBK underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is SLBK's price volatile compared to industry and market?
SLBK volatility
SLBK Average Weekly Movement	3.2%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: SLBK has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: SLBK's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1900	230	Blake Edwards	www.skylinenationalbank.bank

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.

Skyline Bankshares, Inc. Fundamentals Summary

How do Skyline Bankshares's earnings and revenue compare to its market cap?
SLBK fundamental statistics
Market cap	US$68.91m
Earnings (TTM)	US$7.08m
Revenue (TTM)	US$42.89m

9.7x

P/E Ratio

0.8x

P/B Ratio

Is SLBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SLBK income statement (TTM)
Revenue	US$42.89m
Cost of Revenue	US$0
Gross Profit	US$42.89m
Other Expenses	US$35.81m
Earnings	US$7.08m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.25
Gross Margin	100.00%
Net Profit Margin	16.50%
Debt/Equity Ratio	28.2%

How did SLBK perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 08:10
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Skyline Bankshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution