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Solera National Bancorp

SLRK
79
Banks - Regional · Financial Services
Price
$20.24
-0.19 (-0.94%)
Market Cap
$87.0M
Winston Score
79
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Exceptional
Capital Strength
Strong
Asset Quality
Exceptional
Valuation
Good
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Winston Score History

The full picture

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.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+98.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+11.6% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

30.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$1.5B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Solera National Bancorp grew revenue 99% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.1% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 4.3M (2021) → 4.3M (2025)

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
24.9%
no trend
Exceptional — 24.9% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
3.32%
no trend
Healthy — 3.32% net interest margin
Cost of running the bank
Efficiency Ratio
52.6%
no trend
Very lean — spends 52.6¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+22.0%
Fast-growing sales (+22.0% YoY)
Profit growth
EPS YoY
+20.3%
Earnings growing fast (+20.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
9.0%
no trend
Well capitalised — 9.0% Tier-1 leverage

The bank's capital cushion is just adequate. It clears the safety minimum with a small buffer.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.65%
no trend
Clean loan book — 0.65% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.03%
no trend
Minimal losses — 0.03% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
3.4x
Attractive valuation — P/E 3.4

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

Cheaper or dearer next year
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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