SLRK Stock Overview

Operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services in the United States. More details

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

Rewards

Trading at 85.6% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($44M)

My Notes

Capture your thoughts, links and company narrative

Solera National Bancorp, Inc. Competitors

Oak View Bankshares

OTCPK:OAKV

US$43.8m

Chino Commercial Bancorp

OTCPK:CCBC

US$44.8m

Oconee Financial

OTCPK:OSBK

US$41.6m

RBAZ Bancorp

OTCPK:RBAZ

US$36.3m

Price History & Performance

Summary of share price highs, lows and changes for Solera National Bancorp
Historical stock prices
Current Share Price	US$10.20
52 Week High	US$10.61
52 Week Low	US$8.30
Beta	0.51
1 Month Change	7.37%
3 Month Change	-1.83%
1 Year Change	2.10%
3 Year Change	-14.93%
5 Year Change	-10.99%
Change since IPO	2.00%

Recent updates

Shareholder Returns

	SLRK	US Banks	US Market
7D	0.8%	-0.4%	1.5%
1Y	2.1%	40.5%	22.4%

Return vs Industry: SLRK underperformed the US Banks industry which returned 40.5% over the past year.

Return vs Market: SLRK underperformed the US Market which returned 22.4% over the past year.

Price Volatility

Is SLRK's price volatile compared to industry and market?
SLRK volatility
SLRK Average Weekly Movement	6.2%
Banks Industry Average Movement	3.8%
Market Average Movement	5.9%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.0%

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

Volatility Over Time: SLRK's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	n/a	www.solerabank.com

Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services in the United States. The company offers checking and savings accounts, money market accounts, time and demand deposits, and individual retirement accounts (IRA), as well as certificates of deposit; and real estate secured loans, construction loans, small business administration loans, business lines of credit, and equipment financing. It also provides online banking, account analysis, combined account analysis, commercial sweep, remote deposit, ACH origination, payroll direct deposit, merchant, business debit card, and cash management services.

Solera National Bancorp, Inc. Fundamentals Summary

How do Solera National Bancorp's earnings and revenue compare to its market cap?
SLRK fundamental statistics
Market cap	US$43.88m
Earnings (TTM)	US$16.30m
Revenue (TTM)	US$41.33m

2.7x

P/E Ratio

0.5x

P/B Ratio

Is SLRK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SLRK income statement (TTM)
Revenue	US$41.33m
Cost of Revenue	US$0
Gross Profit	US$41.33m
Other Expenses	US$25.03m
Earnings	US$16.30m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.79
Gross Margin	100.00%
Net Profit Margin	39.44%
Debt/Equity Ratio	53.0%

How did SLRK perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/16 11:22
End of Day Share Price	2025/02/14 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.

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 Github.

Analyst Sources

Solera National Bancorp, 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.

Solera National Bancorp OTCPK:SLRK Stock Report