Solera National Bancorp, Inc. (SLRK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 24 | 36 | 39 | 45 | 54 | 62 | - |
| Operating profit | $m | 31 | 35 | ||||||
| Net profit | $m | 6 | 11 | 18 | 17 | 18 | 23 | 26 | - |
| EPS reported | $ | 5.35 | 5.98 | ||||||
| Operating cashflow per share | $ | 3.03 | 0.00 | ||||||
| Capex per share | $ | 2.27 | 0.00 | ||||||
| FCF per share | $ | 0.76 | 0.00 | ||||||
| Free cash flow | $m | 3 | 0 | ||||||
| Net debt | $m | 312 | 132 | ||||||
| Book value equity | $m | 107 | 120 | ||||||
| Book value per share | $ | 24.86 | 27.91 | ||||||
| Number of shares | m | 4.3 | 4.3 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 2.75 | 3.44 | ||||||
| P/B LTM | x | 0.59 | 0.53 | ||||||
| P/S LTM | x | 1.17 | 1.01 | ||||||
| P/FCF LTM | x | 19.35 | 0.00 | ||||||
| EV/EBITDA LTM | x | 11.48 | 10.79 | ||||||
| EV/Sales LTM | x | 4.47 | 4.02 | ||||||
| Earnings Yield LTM | % | +36.36% | +29.07% | ||||||
| FCF Yield | % | +5.17% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +21.52% | +24.21% | ||||||
| ROIC | % | +1.48% | +1.55% | ||||||
| Operating margin | % | +36.99% | +39.86% | ||||||
| Gross margin | % | +63.05% | +68.27% | ||||||
| FCF/Sales | % | +3.90% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +27.68% | +42.72% | ||||||
| Sales Growth YoY | % | +21.40% | +39.98% | ||||||
| Net Income Growth YoY | % | +27.56% | +42.77% | ||||||
| FCF Growth | % | -69.48% | -100.00% | ||||||
| Operating Profit Growth | % | +26.40% | +41.61% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.01 | 0.00 | ||||||
| Net Debt/EBITDA | x | 9.54 | 7.53 | ||||||
| EBIT/Net interest | x | 1.05 | 1.04 | ||||||
| Net debt/market cap | % | +4.95% | +2.98% | ||||||
| Net debt/Equity | x | 2.92 | 1.10 | ||||||
| Gross debt/equity | x | 2.93 | 1.11 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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, and individual customers across the United States. The bank offers a diverse range of deposit products, such as traditional checking and savings accounts, money market accounts, various time and demand deposits, and certificates of deposit. For its business clients, Solera provides numerous lending options, including real estate-secured loans, construction financing, Small Business Administration (SBA) loans, flexible business lines of credit, and equipment financing. Furthermore, the company supports its customers with an extensive suite of additional services, encompassing online banking, individual and combined account analysis, commercial sweep services, remote deposit capabilities, ACH origination, payroll direct deposit, merchant services, fraud prevention tools, business debit cards, and comprehensive cash management solutions. Solera also extends its offerings to include self-directed checking accounts and non-resource financing options. The institution commenced operations in 2005 and is headquartered in Lakewood, Colorado.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Solera National Bancorp, Inc. (SLRK)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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, and individual customers across the United States. The bank offers a diverse range of deposit products, such as traditional checking and savings accounts, money market accounts, various time and demand deposits, and certificates of deposit. For its business clients, Solera provides numerous lending options, including real estate-secured loans, construction financing, Small Business Administration (SBA) loans, flexible business lines of credit, and equipment financing. Furthermore, the company supports its customers with an extensive suite of additional services, encompassing online banking, individual and combined account analysis, commercial sweep services, remote deposit capabilities, ACH origination, payroll direct deposit, merchant services, fraud prevention tools, business debit cards, and comprehensive cash management solutions. Solera also extends its offerings to include self-directed checking accounts and non-resource financing options. The institution commenced operations in 2005 and is headquartered in Lakewood, Colorado.
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