Solera National Bancorp (SLRK) Stock Analysis & Winston Score

Solera National Bancorp is a small community bank holding company based in Colorado. It operates Solera National Bank, which offers everyday banking services like checking and savings accounts, loans, and mortgages. Its main customers are individuals and small businesses in the Denver metro area.

The company makes money primarily through interest income — it earns more on loans than it pays out on deposits, which is the standard community bank model. With a market cap of around $100 million, it is a very small regional bank competing against much larger institutions in a crowded Colorado market. Its low return on invested capital of 1.6% suggests thin profitability, and the key risk it faces is that rising interest rates or a slowdown in local real estate activity could pressure loan demand and squeeze the margins that the business depends on.

Winston Score History

Score breakdown

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Quality

Gross Margin

59.2%

Premium pricing power — 59.2% gross margin

Operating Margin

34.2%

Excellent — 34.2% operating margin

ROCE

1.9%

Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-7.8%

Shrinking sales (-7.8% YoY)

EPS YoY

+27.7%

Earnings growing fast (27.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

2.93

Heavy debt load (2.93)

Interest Cover

2.00x

Tight — interest eats into profit (2.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

3.5x

no trend

Attractive valuation — P/E 3.5

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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