Solera National Bancorp, Inc. (SLRK) 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.
Solera National Bancorp, Inc. (SLRK) trades at $20.43 with AI Score 53/100 (Grade B). Solera National Bancorp, Inc. Market cap: $87.9M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SLRK: SLRK 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 SLRK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SLRK: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
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.
Solera National Bancorp, Inc. (SLRK) Financial Services Profile
Solera National Bancorp, Inc., founded in 2005, serves small and medium-sized businesses and individuals with commercial and consumer banking services. Operating as Solera National Bank, the company offers diverse deposit and loan products, including online and cash management solutions. With a P/E ratio of 3.38 and a 25% profit margin, it competes in the regional banking sector.
What Is the Investment Thesis for SLRK?
Solera National Bancorp, Inc. presents a focused investment opportunity within the regional banking sector. With a low P/E ratio of 3.38 and a profit margin of 25.0%, the company demonstrates potential value. Growth catalysts include expanding its loan portfolio and enhancing its digital banking services to attract a broader customer base. Key value drivers are efficient operations and strategic expansion within its target markets. Potential risks include the inherent volatility of the OTC market and the need to maintain regulatory compliance. Monitoring the company's ability to grow its deposit base and manage credit risk is crucial for assessing its long-term viability.
Based on FMP financials and quantitative analysis
SLRK Key Highlights
Market capitalization of $87.9M indicates a smaller, potentially high-growth company.
- P/E ratio of 3.38 suggests the company may be undervalued compared to its earnings.
- Profit margin of 25.0% demonstrates strong profitability and efficient operations.
- Gross margin of 56.6% indicates effective cost management in its banking operations.
- Beta of 0.35 suggests the stock is less volatile than the overall market.
Who Are SLRK's Competitors?
SLRK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BSFO Bank of San Francisco | $43.80 | +0.00% | $95.8M | 52 |
| CIWV Citizens Financial Corp. | $48.00 | +0.00% | $81.6M | 51 |
| FBTT First Bankers Trustshares, Inc. | $29.50 | +3.51% | $88.7M | 47 |
| FRSB First Resource Bancorp Inc. | $25.50 | +0.00% | $78.7M | 66 |
| KEFI Keweenaw Financial Corporation | $48.00 | +0.00% | $55.1M | 49 |
| 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 SLRK's Key Strengths?
Strong profit margin of 25.0%.
- Low beta of 0.35 indicating lower volatility.
- Focus on small and medium-sized businesses.
- Offers a range of deposit and loan products.
What Are SLRK's Weaknesses?
Small market capitalization of $87.9M.
- Trades on the OTC market, which can be less liquid.
- Limited geographic reach.
- Dependence on local market conditions.
What Could Drive SLRK Stock Higher?
Expansion of digital banking services to attract new customers.
- Strategic partnerships with local businesses to increase brand awareness.
- Implementation of new loan products tailored to licensed professionals.
- Potential for increased lending activity due to economic growth in the region.
What Are the Key Risks for SLRK?
Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and fintech companies.
- Changes in interest rates affecting profitability.
- Economic downturns leading to loan defaults.
- Regulatory compliance costs and requirements.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for SLRK?
- Expansion of Digital Banking Services: Investing in and expanding its digital banking platform can attract a younger, tech-savvy customer base. The global digital banking market is projected to reach $12.3 trillion by 2031, growing at a CAGR of 9.5% from 2022. By offering enhanced mobile banking features, Solera National Bank can improve customer experience and operational efficiency, driving deposit growth and fee income. Timeline: Ongoing.
- Strategic Loan Portfolio Diversification: Diversifying its loan portfolio across different sectors, such as commercial real estate, small business, and consumer loans, can mitigate credit risk. The U.S. commercial lending market is expected to grow, presenting opportunities for Solera National Bank to expand its lending activities. By carefully managing risk and focusing on high-quality borrowers, the bank can increase its loan volume and interest income. Timeline: Ongoing.
- Targeted Marketing to Licensed Professionals: Focusing marketing efforts on attracting licensed professionals, such as doctors, lawyers, and accountants, can provide a stable and high-value customer base. These professionals often require specialized banking services and are less price-sensitive, allowing Solera National Bank to generate higher margins. By tailoring its products and services to meet the specific needs of this segment, the bank can build long-term relationships and increase customer loyalty. Timeline: Ongoing.
- Leveraging SBA Loan Programs: Participating in Small Business Administration (SBA) loan programs can provide access to government-guaranteed loans, reducing credit risk and increasing lending capacity. The SBA provides guarantees on loans to small businesses, making it easier for banks to lend to this segment. By actively promoting and originating SBA loans, Solera National Bank can support local businesses and generate fee income. Timeline: Ongoing.
- Community Engagement and Local Partnerships: Building strong relationships with local businesses and community organizations can enhance the bank's reputation and attract new customers. By sponsoring local events, participating in community initiatives, and partnering with local businesses, Solera National Bank can increase its visibility and build trust within the community. This can lead to increased deposit growth and loan originations. Timeline: Ongoing.
What Are SLRK's Competitive Advantages?
- Local market knowledge and relationships.
- Personalized customer service.
- Specialized banking services for licensed professionals.
- Participation in SBA loan programs.
What Does SLRK Do?
Solera National Bancorp, Inc. was established in 2005 and functions as the bank holding company for Solera National Bank. The bank delivers a suite of commercial and consumer banking services tailored for small to medium-sized businesses, licensed professionals, and individual clients across the United States. Its offerings include a variety of deposit products such as checking and savings accounts, money market accounts, time and demand deposits, and certificates of deposit. On the lending side, Solera National Bank provides real estate secured loans, construction loans, Small Business Administration (SBA) loans, business lines of credit, and equipment financing. Beyond traditional banking products, Solera National Bank offers modern conveniences like online banking, account analysis, combined account analysis, commercial sweep, remote deposit, ACH origination, payroll direct deposit, merchant services, fraud prevention, business debit cards, and comprehensive cash management services. The bank also provides specialized solutions like self-directed checking accounts and non-resource financing. Headquartered in Lakewood, Colorado, Solera National Bancorp, Inc. focuses on building relationships with its local customer base while leveraging technology to enhance service delivery.
What Products and Services Does SLRK Offer?
- Provides commercial and consumer banking services.
- Offers checking and savings accounts.
- Provides money market accounts and certificates of deposit.
- Offers real estate secured loans and construction loans.
- Provides Small Business Administration (SBA) loans.
- Offers business lines of credit and equipment financing.
- Provides online banking and cash management services.
How Does SLRK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from banking services such as account analysis and cash management.
- Attracts deposits from individuals and businesses.
- Manages risk through credit analysis and loan diversification.
What Industry Does SLRK Operate In?
Solera National Bancorp, Inc. operates within the competitive regional banking sector, which is characterized by both established players and emerging fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Solera National Bank competes with other regional banks and credit unions to attract deposits and originate loans. The increasing adoption of digital banking services is reshaping the competitive landscape, requiring banks to invest in technology to meet customer expectations and maintain market share.
Who Are SLRK's Key Customers?
- Small and medium-sized businesses.
- Licensed professionals (e.g., doctors, lawyers).
- Individual consumers.
- Local community organizations.
Financial Health
Solera National Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Solera National Bancorp, Inc. stands at 23.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. SLRK trades at a trailing price-to-earnings ratio of 3.37, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.17 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 29.7%, the inverse of the P/E and a quick read on earnings relative to price.
Solera National Bancorp, Inc. (SLRK) Valuation Context
Valued at $87.9M, SLRK is classified as a micro-cap stock. Relative to its peer group, SLRK's quantitative score of 53/100 is roughly in line with the peer average of 53/100.
SLRK Revenue & Earnings Trend
In Q2 2026, SLRK generated $26.9M in top-line revenue, marking a sequential decrease of 0.9%. The company recorded net income of $6.6M, with diluted EPS of $1.54. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, SLRK averaged $1.50 in diluted EPS.
Company Profile
Solera National Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lakewood, US. The company is led by CEO Michael Drew Quagliano. SLRK has traded publicly since 2012.
SLRK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit margin of 25.0%.
- Low beta of 0.35 indicating lower volatility.
- Focus on small and medium-sized businesses.
- Offers a range of deposit and loan products.
Bear Case
- Small market capitalization of $87.9M.
- Trades on the OTC market, which can be less liquid.
- Limited geographic reach.
- Dependence on local market conditions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $27M | $7M | $1.54 |
| Q1 2026 | $27M | $7M | $1.55 |
| Q4 2025 | $23M | $6M | $1.37 |
| Q3 2025 | $21M | $7M | $1.52 |
Based on FMP financials and quantitative analysis
SLRK Latest News
No recent news available for SLRK.
SLRK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SLRK.
Price Targets
Wall Street price target analysis for SLRK.
SLRK MoonshotScore
What does this score mean?
The MoonshotScore rates SLRK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Michael Drew Quagliano
CEO
Michael Drew Quagliano serves as the CEO of Solera National Bancorp, Inc. His leadership is pivotal in managing the company's 84 employees and guiding its strategic direction. Information regarding his detailed career history, educational background, and previous roles is not available in the provided data. However, his current position indicates a significant level of experience in the banking or financial services industry.
Track Record: Specific achievements and milestones under Michael Drew Quagliano's leadership at Solera National Bancorp, Inc. are not detailed in the provided data. Assessing his track record would require further information on the company's performance, strategic decisions, and key initiatives during his tenure.
SLRK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Solera National Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements of 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 companies listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Limited liquidity due to lower trading volume.
- Potential for wider bid-ask spreads.
- Less stringent regulatory oversight compared to major exchanges.
- Information asymmetry due to limited disclosure requirements.
- Higher risk of price manipulation.
- Verify the company's financial statements and SEC filings (if any).
- Assess the company's management team and their experience.
- Evaluate the company's business model and competitive landscape.
- Review the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues.
- Monitor trading volume and price volatility.
- Consult with a financial advisor.
- Established business operations since 2005.
- Provision of banking services to a specific niche (small and medium-sized businesses).
- Positive profit margin of 25.0%.
- Physical headquarters in Lakewood, Colorado.
- Existence of a bank holding company structure.
Common Questions About SLRK (Financial Services)
What does the AI Score mean for SLRK?
SLRK holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Solera National Bancorp, Inc., operating as Solera National Bank, provides commercial and consumer banking services to small and medium-sized businesses and individuals. Trading on the OTC market …
What does Solera National Bancorp, Inc. do?
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank, providing a range of commercial and consumer banking services. These services are primarily targeted towards small and medium-sized businesses, licensed professionals, and individual clients.
What are the main risks for SLRK?
Solera National Bancorp, Inc. faces several key risks, including increased competition from larger banks and fintech companies, which could impact its market share and profitability. Changes in interest rates could also affect its net interest margin and overall financial performance. Economic downturns could lead to increased loan defaults and reduced demand for banking services.
What is Solera National Bancorp, Inc.'s credit quality and risk management approach?
Solera National Bancorp, Inc.'s credit quality and risk management approach are crucial for maintaining financial stability and long-term growth. Assessing the company's loan portfolio quality involves analyzing the proportion of non-performing loans, loan loss reserves, and the overall creditworthiness of its borrowers. Effective risk management frameworks are essential for mitigating potential losses from credit, market, and operational risks.
How is Solera National Bancorp, Inc. adapting to fintech disruption?
Solera National Bancorp, Inc.'s adaptation to fintech disruption is vital for remaining competitive in the evolving banking landscape. Evaluating the bank's digital transformation initiatives involves assessing its investments in online and mobile banking platforms, as well as its adoption of new technologies such as artificial intelligence and blockchain.
What are the key factors to evaluate for SLRK?
Solera National Bancorp, Inc. (SLRK) holds an AI score of 53/100 (moderate). presents a focused investment opportunity within the regional banking sector. Not financial advice.
How frequently does SLRK data refresh on this page?
SLRK'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 SLRK's recent stock price performance?
Solera National Bancorp, Inc. (SLRK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 25.0%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SLRK overvalued or undervalued right now?
Solera National Bancorp, Inc. (SLRK) 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.
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.
- OTC data may be less reliable than major exchange data.
- AI analysis is pending and will provide further insights.