Solera National Bancorp Inc (SLRK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Solera National Bancorp Inc stock $31.60, price $15.80, upside +100.0%, quality 42 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $8.30 – $21.70 · fair‑value band $23.50 – $45.07 · the $15.80 price screens below the $31.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
Follow Solera National Bancorp in your weekly email
Every Wednesday you see whether Solera National Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank, which provides commercial and consumer banking services in the United States.
Show moreShow less
The company offers checking and savings accounts, money market accounts, time and demand deposits, and individual retirement accounts (IRA), as well as certificates of deposit; and real estate secured loans, construction loans, small business administration loans, business lines of credit, and equipment financing.
It also provides online banking. The company was incorporated in 2006 and is based in Lakewood, Colorado.
Stock analysis
Solera National Bancorp Inc (SLRK) currently trades at $15.80, while our model-based Fair Value estimate is $31.60, implying the stock looks roughly 50% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $45.52 per share, and 3 of the 4 models we run sit above the $15.80 price.
Bear case: the Asset-Based group reads lowest at $15.22, and 1 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $23.50 (bear) to $45.07 (bull), the price of $15.80 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Solera National Bancorp Inc reported revenue of $83.8M in FY2025 versus $24.9M in FY2021, a compound +35.4%/yr. Reported net income was $23.0M in FY2025, compounding +20.0%/yr from FY2021.
Key figures
Market cap $67.9M Micro · P/E ratio 3.0 · P/S ratio 1.14 · EPS (TTM) $5.35 · Net margin 43.0% · Return on equity 24.3% · Return on assets (EBIT) 2.1% (5-year average) · Operating margin 59.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, SLRK screens cheaper than that median.
Fair Value models
Bear$23.50Fair Value $31.60Bull$45.07
Price $15.80 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.59 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.2%
Start year 2020 (pandemic). Over 10 years: +30.0% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.2%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+30.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+30.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.30.5% vs 19.5%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.46% → 37%
Compare Solera National Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)24.3% · Top 25%
Return on assets1.5% · Top 25%
Net margin (12 months)43.0% · Top 25%
Operating margin (12 months)59.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)13.0% · Above median
Balance sheet
Debt / equity0.04× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Solera National Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/SLRK
Frequently asked questions
Is Solera National Bancorp Inc (SLRK) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $31.60 versus a price of $15.80, about +100% upside (undervalued).
What is the fair value of SLRK?
Our model-based fair value for Solera National Bancorp Inc is $31.60 (as of Nov 9, 2026), built from audited fundamentals. The current price: $15.80.
What is the quality score of SLRK?
Solera National Bancorp Inc has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Solera National Bancorp Inc (SLRK)?
Our model-based price target is the fair value of $31.60 (as of Nov 9, 2026) from 4 valuation models. Cautious scenario $23.50, optimistic scenario $45.07. It is a calculation from audited fundamentals, not an analyst target.
What is the Solera National Bancorp Inc stock forecast for 2026?
Our models put fair value at $31.60, about +100% upside versus a price of $15.80 (undervalued). Cautious scenario $23.50, optimistic scenario $45.07. The calculation is refreshed regularly with new filings.
What is the revenue of Solera National Bancorp Inc (SLRK)?
Solera National Bancorp Inc reported trailing-twelve-month revenue of about $59.9M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of Solera National Bancorp Inc (SLRK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Solera National Bancorp Inc it is $31.60 per share (as of Nov 9, 2026), against a price of $15.80. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Solera National Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, SLRK trades below its calculated fair value: price $15.80, fair value $31.60, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SLRK?
No. The price is what the market pays today ($15.80); the fair value is what the company's own numbers justify ($31.60). For Solera National Bancorp Inc the two are $15.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is Solera National Bancorp Inc worth?
The market values Solera National Bancorp Inc at about $67.9M (market capitalisation, as of Nov 9, 2026). Per share that is $15.80; our models calculate a fair value of $31.60 per share.
What do the bullish and bearish scenarios say about SLRK?
Our models span a range for Solera National Bancorp Inc: cautious scenario $23.50, base $31.60, optimistic $45.07 per share (as of Nov 9, 2026, price $15.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SLRK?
Solera National Bancorp Inc trades at a price-to-earnings ratio of 3.0 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $31.60 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 5.5. Other multiples: P/B 0.6, P/S 1.1, EV/EBITDA 2.2.
How solid is the balance sheet of Solera National Bancorp Inc (SLRK)?
Balance-sheet figures for Solera National Bancorp Inc (as of Nov 9, 2026): return on equity 24.3%, debt of 0.04 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is SLRK from its 52-week high?
Solera National Bancorp Inc trades at $15.80, about 27% below its 52-week high of $21.70 and 17% above the low of $13.56 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $31.60 is for.
Which stocks are comparable to Solera National Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Solera National Bancorp Inc stock attractive at the current price?
The data as of Nov 9, 2026: price $15.80, calculated fair value $31.60 (+100%), Quality Score 42/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SLRK calculated?
We run Solera National Bancorp Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $31.60 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Solera National Bancorp Inc currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Solera National Bancorp Inc (SLRK)?
The closing price on Nov 6, 2026 was $15.80. Our model-based fair value is $31.60, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Solera National Bancorp Inc right now?
The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($23.50). The market is more pessimistic than our downside scenario. A fairly wide model range ($23.50 to $45.07) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Solera National Bancorp Inc
How large is the market capitalisation of Solera National Bancorp Inc (SLRK)?
The market capitalisation of Solera National Bancorp Inc is $67.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Solera National Bancorp Inc (SLRK)?
The price-to-sales ratio of Solera National Bancorp Inc is 1.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Solera National Bancorp Inc (SLRK)?
Earnings per share at Solera National Bancorp Inc are $5.35 (price ÷ EPS = P/E 3.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Solera National Bancorp Inc (SLRK)?
The net margin of Solera National Bancorp Inc is 43.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Solera National Bancorp Inc (SLRK)?
The return on equity (ROE) of Solera National Bancorp Inc is 24.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Solera National Bancorp Inc (SLRK)?
On an EBIT basis the return on assets of Solera National Bancorp Inc is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Solera National Bancorp Inc (SLRK)?
The operating margin of Solera National Bancorp Inc is 59.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Solera National Bancorp Inc (SLRK)?
Revenue at Solera National Bancorp Inc is growing +13.0% versus a year earlier (3y avg +27.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Solera National Bancorp Inc (SLRK)?
Earnings per share at Solera National Bancorp Inc are growing +11.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Solera National Bancorp Inc (SLRK) generate?
The free cash flow of Solera National Bancorp Inc is $3.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Solera National Bancorp Inc (SLRK) carry?
The net debt of Solera National Bancorp Inc is $312M (fiscal year 2025, ≈ 95.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Solera National Bancorp Inc in the live analysis
One click puts Solera National Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 9, 2026