Stock fact sheet · data as of
Solera National Bancorp, Inc. (SLRK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is SLRK undervalued?
At 20.00 (close of 16 Oct 2026), SLRK trades 70% below the GLS average fair value of 67.18. That average comes from 8 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Solera National Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 8 models disagree widely: DCF gives 3.25 while Graham Growth gives 143.38. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files SLRK under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for SLRK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 3.25 | -84% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 61.33 | +207% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 143.38 | +617% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 47.87 | +139% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 122.82 | +514% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 70.67 | +253% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 21.58 | +8% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 66.53 | +233% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -334.10 | -1770% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: SLRK passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 5.5%, ROE 21.5%, ROA 1.5% - with debt at 2.93 times equity and negative free cash flow. Debt of 2.93 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
Solera National Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 5.5% |
|---|---|---|---|
| GLS Moat | 5.3 / 10 | ROE | 21.5% |
| Debt / equity | 2.93 | ROA | 1.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
SLRK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $86M, with a beta of 0.33 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 70% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 8 / 15 | moat 5.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $86M cap, beta 0.33 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SLRK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Solera National Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| EDVR Endeavor Bancorp | 19.75 | 45.52 | +57% | 39No options | $87M |
| CIWV Citizens Financial Corp. | 51.40 | 168.34 | +69% | 39No options | $88M |
| FDSB Fifth District Savings Bank | 16.89 | 8.03 | -110% | 25No options | $88M |
| BKOR Oak Ridge Financial Services, Inc. | 32.40 | 42.01 | +23% | 39No options | $89M |
| MCBK Madison County Financial, Inc. | 33.30 | 28.59 | -16% | 28No options | $89M |
| SSBI Summit State Bank | 12.28 | 13.46 | +9% | 39No options | $83M |
| CZNL Citizens National Corporation | 85.00 | 69.68 | -22% | 30No options | $83M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| FDVA Freedom Financial Holdings, Inc. | 11.62 | 3.58 | -224% | 17No options | $83M |
| CPBI Central Plains Bancshares, Inc. Common Stock | 19.79 | 37.21 | +47% | 39No options | $83M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
⚖ Compare SLRK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SLRK
Is SLRK undervalued right now?
By the GLS models, yes: at 20.00 the stock is 70% below the average fair value of 67.18 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SLRK and what does it mean?
SLRK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SLRK?
67.18 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Solera National Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for SLRK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does SLRK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SLRK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.