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Solera National BancorpSLRK +1.45%68 EV-to-OCF is 30.45 as of Jul. 31, 2026, which is 220% above its 10-year median of 9.52. GuruFocus rates SLRK with a GF Score™ of 68/100 and a GF Value™ of $14.78 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Solera National Bancorp ranks worse than 92.53% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Solera National Bancorp's Enterprise Value is $396.34 Mil.
Solera National Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $13.02 Mil. Therefore, Solera National Bancorp's EV-to-OCF for today is 30.45.
The historical rank and industry rank for Solera National Bancorp's EV-to-OCF or its related term are showing as below:
SLRK'
s EV-to-OCF Range Over the Past 10 Years
Min: 2.7 Med: 9.52 Max: 30.45
Current: 30.45
During the past 13 years, the highest EV-to-OCF of Solera National Bancorp was 30.45. The lowest was 2.70. And the median was 9.52.
SLRK's EV-to-OCF is ranked worse than 92.53% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs SLRK: 30.45
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Solera National Bancorp (OTCPK:SLRK) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Solera National Bancorp's PE Ratio (TTM) for today is calculated as:
Solera National Bancorp's share price for today is $20.10.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Solera National Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.350.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Solera National Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Solera National Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's EV-to-OCF falls into.
Solera National Bancorp's current Enterprise Value is $396.34 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Solera National Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $13.02 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Solera National Bancorp (SLRK) has a EV-to-OCF of 30.45 as of Jul. 31, 2026. This is 220% above median its historical median of 9.52. Over the past decade, Solera National Bancorp's EV-to-OCF has ranged from 2.70 to 30.45. According to the industry distribution chart, Solera National Bancorp ranks #1388 out of 1500 companies in the Banks industry, placing it in the top 92.5%.
Is Solera National Bancorp's EV-to-OCF too high?
Solera National Bancorp's current EV-to-OCF of 30.45 is 220% above median its 10-year median of 9.52. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 30.45. The Banks industry median EV-to-OCF is 3.98. Solera National Bancorp's value of 30.45 is 666% above this industry median. Based on the distribution chart, Solera National Bancorp ranks #1388 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solera National Bancorp has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solera National Bancorp's EV-to-OCF compare to BKOR and MCBK?
According to the Banks industry distribution chart, Solera National Bancorp ranks #1388 out of 1500 companies for EV-to-OCF. This places Solera National Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.98. Solera National Bancorp's value of 30.45 is 666% above this benchmark. Historically, Solera National Bancorp's own EV-to-OCF has ranged from 2.70 to 30.45 over the past decade. While the company's 10-year median is 9.52 vs. the industry median of 3.98, Solera National Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current EV-to-OCF of 30.45 is 666% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current EV-to-OCF is 30.45, which is 220% above median its own 10-year median of 9.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solera National Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Solera National Bancorp (SLRK) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.78, compared to a current price of $20.10 — trading 36% above its estimated fair value. The current EV-to-OCF is 30.45, which is 220% above median its 10-year median of 9.52 and 666% above the Banks industry median of 3.98. Solera National Bancorp's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current EV-to-OCF is 30.45 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Solera National Bancorp (SLRK) Overvalued in 2026?
Based on GuruFocus' analysis, Solera National Bancorp stock appears to be overvalued.
The current stock price of $20.10 is trading 36% above its estimated GF Value™ of $14.78.
GuruFocus considers Solera National Bancorp to be Significantly Overvalued.
Key valuation signals for SLRK:
EV-to-OCF: 30.45 (220% above median its 10-year median of 9.52)
GF Value™: $14.78 vs. price of $20.10 (36% above fair value)
Industry Position: 666% above the Banks median (#1388 of 1500)
No single metric tells the full story. See the SLRK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solera National Bancorp Inc serves as the holding company for Solera National Bank. The bank is a full-service commercial bank offering a broad range of commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals who are particularly responsive to the personalized service that Solera National Bank provides to its customers. It has one operating segment which is Banking. The bank provides a personalized banking experience combined with a broad range of services, customized and tailored to fit the individual needs of its clients.
68GF Score
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