Solera National Bancorp, Inc. (OTCPK:SLRK) Stock Price & Quote Analysis

SLRK Stock Overview

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

Rewards

Trading at 57.9% below our estimate of its fair value

Earnings grew by 53.3% over the past year

Risk Analysis

Does not have a meaningful market cap ($46M)

My Notes

New

Notes are coming soon

Solera National Bancorp, Inc. Competitors

Endeavor Bancorp

OTCPK:EDVR

US$40.1m

Pacific West Bancorp

OTCPK:PWBK

US$32.7m

Community First Bancorporation

OTCPK:CFOK

US$40.5m

Peak Bancorp

OTCPK:IDFB

US$60.2m

Price History & Performance

Summary of all time highs, changes and price drops for Solera National Bancorp
Historical stock prices
Current Share Price	US$10.75
52 Week High	US$12.50
52 Week Low	US$9.35
Beta	0.60
1 Month Change	-6.52%
3 Month Change	2.38%
1 Year Change	-10.86%
3 Year Change	-7.25%
5 Year Change	26.47%
Change since IPO	7.50%

Recent updates

Shareholder Returns

	SLRK	US Banks	US Market
7D	3.4%	2.0%	1.7%
1Y	-10.9%	-15.9%	-12.5%

Return vs Industry: SLRK exceeded the US Banks industry which returned -17.3% over the past year.

Return vs Market: SLRK exceeded the US Market which returned -13.6% over the past year.

Price Volatility

Is SLRK's price volatile compared to industry and market?
SLRK volatility
SLRK Average Weekly Movement	10.0%
Banks Industry Average Movement	3.8%
Market Average Movement	6.9%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	2.8%

Stable Share Price: SLRK is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: SLRK's weekly volatility (10%) has been stable over the past year.

About the Company

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

Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals in the United States. The company offers deposit products, including checking and savings accounts, money market accounts, time and demand deposits, and certificates of deposit; and business loan products, such as 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, fraud, 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$46.22m
Earnings (TTM)	US$15.81m
Revenue (TTM)	US$30.60m

2.9x

P/E Ratio

0.9x

P/B Ratio

Is SLRK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
SLRK income statement (TTM)
Revenue	US$30.60m
Cost of Revenue	US$0
Gross Profit	US$30.60m
Other Expenses	US$14.79m
Earnings	US$15.81m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	3.68
Gross Margin	100.00%
Net Profit Margin	51.68%
Debt/Equity Ratio	83.0%

How did SLRK perform over the long term?

See historical performance and comparison

Solera National Bancorp OTCPK:SLRK Stock Report