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Solera National Bancorp, Inc. SLRK

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Price alert · SLRK

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18.26 USD -1.84 -9.15%

At close · Oct 30

18.26 Day range 20.11
13.56 52-week range 21.70
YTD
+23.96%
1 year
+33.28%
Open
20.11
Prev close
20.10
Mkt cap
78.52M
Vol
7.29K
Avg vol
7.13K
EPS
5.35
P/E
3.41
More statistics
Low
18.26
High
20.11

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Financial health

Altman Z-Score

0.20 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 4

Valuation

P/E 2.8×
FY 2016: 6.4×FY 2017: 43.4×FY 2018: 14.1×FY 2019: 13.3×FY 2020: 7.7×FY 2021: 4.5×FY 2022: 2.7×FY 2023: 2.5×FY 2024: 2.3×FY 2025: 2.8×
FY 2016 5y median 2.7× FY 2025
P/S 0.8×
FY 2016: 3.4×FY 2017: 3.4×FY 2018: 3.5×FY 2019: 4.1×FY 2020: 2.8×FY 2021: 2.0×FY 2022: 1.2×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 0.6×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/FCF 19.4×
FY 2016: 11.7×FY 2017: 15.5×FY 2018: 10.9×FY 2019: -24.7×FY 2020: 31.1×FY 2021: 12.6×FY 2022: 11.3×FY 2023: 2.7×FY 2024: 3.8×FY 2025: 19.4×
FY 2016 5y median 11.3× FY 2025
EV/EBITDA 11.5×
FY 2016: 21.8×FY 2017: 17.2×FY 2018: 9.2×FY 2019: 7.0×FY 2020: 4.9×FY 2021: 2.4×FY 2022: 4.4×FY 2023: 9.4×FY 2024: 7.0×FY 2025: 11.5×
FY 2016 5y median 7.0× FY 2025
EV/Sales 4.5×
FY 2016: 4.2×FY 2017: 5.1×FY 2018: 3.2×FY 2019: 2.9×FY 2020: 2.3×FY 2021: 1.5×FY 2022: 2.5×FY 2023: 3.2×FY 2024: 2.4×FY 2025: 4.5×
FY 2016 5y median 2.5× FY 2025
FCF Yield 5.2%
FY 2016: 8.5%FY 2017: 6.4%FY 2018: 9.1%FY 2019: -4.1%FY 2020: 3.2%FY 2021: 7.9%FY 2022: 8.9%FY 2023: 37.6%FY 2024: 26.3%FY 2025: 5.2%
FY 2016 5y median 8.9% FY 2025

Profitability

Gross Margin 63.1%
FY 2016: 78.3%FY 2017: 77.8%FY 2018: 80.5%FY 2019: 86.8%FY 2020: 93.7%FY 2021: 96.6%FY 2022: 88.0%FY 2023: 57.4%FY 2024: 59.3%FY 2025: 63.1%
FY 2016 5y median 63.1% FY 2025
Operating Margin 37.0%
FY 2016: 15.3%FY 2017: 26.3%FY 2018: 32.3%FY 2019: 39.9%FY 2020: 46.1%FY 2021: 58.9%FY 2022: 53.8%FY 2023: 32.6%FY 2024: 32.6%FY 2025: 37.0%
FY 2016 5y median 37.0% FY 2025
Net Margin 27.4%
FY 2016: 52.1%FY 2017: 7.8%FY 2018: 24.7%FY 2019: 31.0%FY 2020: 35.7%FY 2021: 44.5%FY 2022: 44.4%FY 2023: 25.6%FY 2024: 24.0%FY 2025: 27.4%
FY 2016 5y median 27.4% FY 2025
ROE 21.5%
FY 2016: 13.6%FY 2017: 2.1%FY 2018: 6.3%FY 2019: 8.8%FY 2020: 12.4%FY 2021: 18.8%FY 2022: 31.5%FY 2023: 20.9%FY 2024: 20.3%FY 2025: 21.5%
FY 2016 5y median 20.9% FY 2025
ROIC 1.5%
FY 2016: 3.1%FY 2017: 1.4%FY 2018: 5.6%FY 2019: 7.9%FY 2020: 11.1%FY 2021: 17.2%FY 2022: 15.8%FY 2023: 4.3%FY 2024: 5.3%FY 2025: 1.5%
FY 2016 5y median 5.3% FY 2025
ROA 1.5%
FY 2016: 2.0%FY 2017: 0.3%FY 2018: 1.0%FY 2019: 1.3%FY 2020: 1.4%FY 2021: 1.7%FY 2022: 1.8%FY 2023: 1.4%FY 2024: 1.5%FY 2025: 1.5%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 11.4%
FY 2016: -1.4%FY 2017: 8.7%FY 2018: 38.8%FY 2019: 27.0%FY 2020: 44.8%FY 2021: 49.8%FY 2022: 63.9%FY 2023: 59.5%FY 2024: 15.4%FY 2025: 11.4%
FY 2016 FY 2025
Operating Income 26.4%
FY 2016: -48.4%FY 2017: 86.4%FY 2018: 70.8%FY 2019: 57.0%FY 2020: 67.2%FY 2021: 91.2%FY 2022: 49.8%FY 2023: -3.3%FY 2024: 15.4%FY 2025: 26.4%
FY 2016 FY 2025
EPS (diluted) 27.7%
FY 2016: 76.9%FY 2017: -84.3%FY 2018: 244.4%FY 2019: 38.7%FY 2020: 64.0%FY 2021: 83.0%FY 2022: 64.7%FY 2023: -8.9%FY 2024: 8.3%FY 2025: 27.7%
FY 2016 FY 2025
Free Cash Flow -69.5%
FY 2016: 66.3%FY 2017: -15.6%FY 2018: 100.7%FY 2019: -165.7%FY 2020: 177.5%FY 2021: 169.7%FY 2022: 9.5%FY 2023: 261.0%FY 2024: -32.0%FY 2025: -69.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 2.9×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 1.0×FY 2023: 2.2×FY 2024: 1.6×FY 2025: 2.9×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 9.5×
FY 2016: 4.2×FY 2017: 5.5×FY 2018: -0.7×FY 2019: -2.9×FY 2020: -0.9×FY 2021: -0.9×FY 2022: 2.3×FY 2023: 7.5×FY 2024: 5.4×FY 2025: 9.5×
FY 2016 5y median 5.4× FY 2025
Interest Coverage 1.0×
FY 2016: 0.7×FY 2017: 1.2×FY 2018: 1.7×FY 2019: 3.0×FY 2020: 7.4×FY 2021: 17.1×FY 2022: 4.5×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31