Silvergate Capital Corporation (SICP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Silvergate Capital Corporation (SICP) trades at $0.7203 with AI Score 49/100 (Grade C). Silvergate Capital Corporation, operating as a bank holding company for Silvergate Bank, provides banking products and services to business and individual… Market cap: $23.2M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SICP: SICP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SICP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SICP: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Silvergate Capital Corporation (SICP) Financial Services Profile
Silvergate Capital Corporation, founded in 1988, provides banking solutions with a focus on digital currency businesses. Operating as Silvergate Bank, it offers deposit and loan products, navigating the evolving landscape of traditional finance and digital assets. The company serves business and individual clients within the United States.
What Is the Investment Thesis for SICP?
Silvergate Capital Corporation presents a complex investment case. The company's early embrace of the digital currency industry provided a first-mover advantage, but also introduces volatility and regulatory uncertainty. With a negative P/E ratio of -0.01, profitability is a concern. The company's high gross margin of 100% and profit margin of 178.9% may not be sustainable. Key growth drivers include continued expansion in the digital asset market and strategic partnerships. However, investors must carefully weigh the risks associated with regulatory changes and market fluctuations in the digital currency space. The company's beta of 1.72 indicates higher volatility compared to the broader market.
Based on FMP financials and quantitative analysis
SICP Key Highlights
Market Cap of $23.2M reflects its current valuation in the market.
- Profit Margin of 178.9% indicates high profitability, though sustainability needs to be assessed.
- Gross Margin of 100.0% suggests efficient cost management in its operations.
- Beta of 1.72 indicates higher volatility compared to the market average.
- No Dividend Yield reflects that the company is not currently distributing profits to shareholders.
Who Are SICP's Competitors?
SICP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.6M | 49 |
| CBOF CBOA Financial, Inc. | $2.27 | -1.30% | $23.2M | 49 |
| CFIC Cornerstone Financial Corporation | $8.32 | +21.82% | $18.2M | 49 |
| CNBA Chester Bancorp, Inc. | $5.85 | +0.00% | $26.1M | 45 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.4M | 45 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SICP's Key Strengths?
Early adoption of digital currency services
- Established Silvergate Exchange Network (SEN)
- High gross margin
- Specialized expertise in digital asset banking
What Are SICP's Weaknesses?
High beta indicating volatility
- Reliance on the digital currency market
- Negative P/E ratio indicating unprofitability
- Exposure to regulatory risks in the digital asset space
What Could Drive SICP Stock Higher?
SICP catalyst: Expansion of the Silvergate Exchange Network (SEN) could drive increased transaction volume and fee revenue.
- Strategic partnerships with fintech companies may lead to new product offerings and customer acquisition.
- Development and launch of new digital asset products could attract new customers and generate revenue.
- Potential changes in regulatory landscape regarding digital assets could impact the company's operations.
- Increased adoption of digital currencies by institutional investors and retail customers.
What Are the Key Risks for SICP?
Financial-distress signal — its Altman Z-Score of -0.51 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-84.8%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Regulatory uncertainty surrounding digital assets could negatively impact the company's operations and growth prospects.
- Market volatility in the digital currency space could lead to fluctuations in revenue and profitability.
- Competition from traditional banks and fintech companies could erode market share.
- Cybersecurity breaches and fraud could result in financial losses and reputational damage.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for SICP?
- Expansion of SEN (Silvergate Exchange Network): The Silvergate Exchange Network facilitates real-time transfers between institutional investors and cryptocurrency exchanges. Expanding the network by adding more participants and increasing transaction volume represents a significant growth opportunity. As the digital asset market matures, the demand for efficient and secure transfer mechanisms will likely increase, driving further adoption of SEN. This expansion could lead to increased fee revenue and strengthen Silvergate's position as a key player in the digital asset ecosystem. The timeline for this growth is ongoing, with continuous efforts to onboard new participants and enhance the network's capabilities.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable Silvergate to expand its product offerings and reach new customer segments. By integrating its banking services with fintech platforms, Silvergate can provide seamless access to digital asset solutions for a broader audience. These partnerships can also drive innovation and enhance the company's competitive advantage in the rapidly evolving financial landscape. The timeline for these partnerships is medium-term, with potential collaborations emerging as the fintech industry continues to grow and mature.
- Development of New Digital Asset Products: Investing in the development of new products and services tailored to the digital asset market can drive revenue growth and attract new customers. This could include custody solutions, lending products, and other innovative financial instruments. By staying ahead of the curve and anticipating the evolving needs of the digital asset industry, Silvergate can solidify its position as a leader in this space. The timeline for new product development is ongoing, with continuous efforts to innovate and adapt to market trends.
- Geographic Expansion: Expanding its operations beyond the United States could provide access to new markets and customer bases. As the digital asset industry becomes increasingly global, Silvergate can capitalize on opportunities in regions with favorable regulatory environments and growing demand for digital asset services. This expansion could involve establishing partnerships with local banks or setting up new branches in strategic locations. The timeline for geographic expansion is long-term, requiring careful planning and consideration of regulatory and market factors.
- Increased Adoption of Digital Currencies: The increasing adoption of digital currencies by institutional investors and retail customers will drive demand for Silvergate's banking services. As digital assets become more mainstream, the need for secure and reliable banking solutions will grow, benefiting companies like Silvergate that have established a strong presence in this market. This trend is ongoing, with continuous efforts to promote the adoption of digital currencies and integrate them into the broader financial system.
What Are SICP's Competitive Advantages?
- Early mover advantage in providing banking services to the digital currency industry.
- Established Silvergate Exchange Network (SEN) facilitates real-time transfers.
- Specialized expertise in navigating the regulatory landscape of digital assets.
- Strong relationships with key players in the digital currency ecosystem.
What Does SICP Do?
Silvergate Capital Corporation, established in 1988 and headquartered in La Jolla, California, functions as the bank holding company for Silvergate Bank. The bank provides a range of banking products and services tailored to both business and individual clients across the United States. Silvergate distinguishes itself through its early adoption and integration of services for the digital currency industry, positioning itself as a bridge between traditional banking and the burgeoning digital asset market. Its founding vision was to provide relationship-based banking services to entrepreneurs and businesses. Over time, Silvergate has evolved to become a key player in the digital currency ecosystem, offering specialized cash management solutions and lending products to companies in this sector. The company's core offerings include a variety of deposit accounts, such as interest and noninterest-bearing demand accounts, money market accounts, savings accounts, and certificates of deposit. On the lending side, Silvergate provides one-to-four family real estate loans, multi-family real estate loans, commercial real estate loans, construction loans, commercial and industrial loans, mortgage warehouse loans, reverse mortgage loans, consumer loans, and other loans secured by personal property. Silvergate's strategic focus on the digital currency industry has allowed it to capture a niche market and establish a strong presence in this rapidly growing sector. However, this focus also exposes the company to unique regulatory and market risks associated with digital assets.
What Products and Services Does SICP Offer?
- Operates as a bank holding company for Silvergate Bank.
- Provides banking products and services to businesses and individuals.
- Offers deposit products, including various types of accounts.
- Provides loan products, including real estate, commercial, and consumer loans.
- Offers cash management services for digital currency-related businesses.
- Facilitates real-time transfers between institutional investors and cryptocurrency exchanges through the Silvergate Exchange Network (SEN).
How Does SICP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from cash management services for digital currency businesses.
- Collects transaction fees from the Silvergate Exchange Network (SEN).
- Manages deposits and provides banking services to a range of clients.
What Industry Does SICP Operate In?
Silvergate Capital Corporation operates within the regional banking sector, which is undergoing significant transformation due to technological advancements and evolving customer preferences. The rise of fintech companies and digital currencies has disrupted traditional banking models, creating both opportunities and challenges for established players like Silvergate. The company's focus on providing banking services to digital currency businesses positions it within a niche segment of the broader financial services industry. The competitive landscape includes traditional banks, fintech companies, and specialized digital asset service providers. The industry is subject to increasing regulatory scrutiny, particularly concerning digital assets, which could impact Silvergate's operations and growth prospects.
Who Are SICP's Key Customers?
- Digital currency exchanges
- Institutional investors in digital assets
- Businesses operating in the digital currency ecosystem
- Individual clients seeking banking services
- Mortgage warehouse clients
How Silvergate Capital Corporation Is Valued
Silvergate Capital Corporation carries a market capitalization of $23.2M, placing it in the micro-cap category. Relative to its peer group, SICP's quantitative score of 49/100 is roughly in line with the peer average of 47/100.
Company Profile
Silvergate Capital Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in La Jolla, US. The company is led by CEO Kathleen M. Fraher. SICP has traded publicly since 2019.
Key Financial Metrics
Return on equity for Silvergate Capital Corporation stands at -84.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -8.3%, showing how much profit it generates from its asset base. A current ratio of 0.57 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Silvergate Capital Corporation's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.51 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Silvergate Capital Corporation has missed Wall Street's EPS estimate in 2 of its last 3 reported quarters — a mixed record worth weighing.
SICP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Early adoption of digital currency services
- Established Silvergate Exchange Network (SEN)
- High gross margin
- Specialized expertise in digital asset banking
Bear Case
- High beta indicating volatility
- Reliance on the digital currency market
- Negative P/E ratio indicating unprofitability
- Exposure to regulatory risks in the digital asset space
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SICP Latest News
No recent news available for SICP.
SICP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SICP.
Price Targets
Wall Street price target analysis for SICP.
SICP MoonshotScore
What does this score mean?
The MoonshotScore rates SICP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Kathleen M. Fraher
Unknown
Information about Kathleen M. Fraher's background is not available in the provided context. Without further information, it is impossible to provide a detailed overview of her career history, education, previous roles, or credentials. More data is needed to create a comprehensive profile.
Track Record: Information about Kathleen M. Fraher's track record is not available in the provided context. Without further information, it is impossible to provide details on her key achievements, strategic decisions, or company milestones under her leadership. More data is needed to create a comprehensive profile.
SICP OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Silvergate Capital Corporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as those listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries significant risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure
- Low trading volume and liquidity
- Potential for price manipulation
- Higher risk of fraud and scams
- Lack of regulatory oversight
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with the company's industry and operations.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal disputes involving the company.
- Verify the company's physical address and contact information.
- Check for independent audits of financial statements.
- Assess the experience and qualifications of the management team.
- Look for positive news coverage and industry recognition.
- Review customer testimonials and reviews.
What Investors Ask About Silvergate Capital Corporation (SICP) — Financial Services
What does the AI Score mean for SICP?
SICP holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Silvergate Capital Corporation, operating as a bank holding company for Silvergate Bank, provides banking products and services to business and individual clients in the United States. The company …
What does Silvergate Capital Corporation do?
Silvergate Capital Corporation operates as the holding company for Silvergate Bank, providing banking solutions with a focus on the digital currency industry. Its primary function is to offer banking products and services to businesses and individuals, including deposit accounts, loan products, and cash management services.
What do analysts say about SICP stock?
Analyst opinions on Silvergate Capital Corporation (SICP) are currently unavailable due to lack of recent coverage. Key valuation metrics, such as price targets and ratings, are not readily accessible. Investors should conduct their own due diligence and consider the company's financial performance, growth prospects, and risk factors before making any investment decisions. The absence of recent analyst coverage highlights the need for independent research and caution when evaluating SICP stock.
What are the main risks for SICP?
Silvergate Capital Corporation faces several key risks related to its focus on the digital currency industry. Regulatory uncertainty surrounding digital assets poses a significant threat, as changes in regulations could impact the company's operations and profitability. Market volatility in the digital currency space can lead to fluctuations in revenue and asset values.
What are the key factors to evaluate for SICP?
Silvergate Capital Corporation (SICP) holds an AI score of 49/100 (low). Silvergate Capital Corporation presents a complex investment case. Not financial advice.
How frequently does SICP data refresh on this page?
SICP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SICP's recent stock price performance?
Silvergate Capital Corporation (SICP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Early adoption of digital currency services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SICP overvalued or undervalued right now?
Silvergate Capital Corporation (SICP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SICP before investing?
Before investing in Silvergate Capital Corporation (SICP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for certain sections, particularly regarding CEO background and analyst opinions.
- OTC market data may be less reliable than data from major exchanges.