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Solera National BancorpSLRK +1.45%68 EV-to-FCF is 121.09 as of Jul. 31, 2026, which is 639% above its 10-year median of 16.38. 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 1,191 Banks companies, Solera National Bancorp ranks worse than 97.15% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Solera National Bancorp's Enterprise Value is $396.34 Mil.
Solera National Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.27 Mil. Therefore, Solera National Bancorp's EV-to-FCF for today is 121.09.
The historical rank and industry rank for Solera National Bancorp's EV-to-FCF or its related term are showing as below:
SLRK'
s EV-to-FCF Range Over the Past 10 Years
Min: -18.12 Med: 16.38 Max: 121.09
Current: 121.09
During the past 13 years, the highest EV-to-FCF of Solera National Bancorp was 121.09. The lowest was -18.12. And the median was 16.38.
SLRK's EV-to-FCF is ranked worse than 97.15% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs SLRK: 121.09
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's EV-to-FCF 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 Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.27 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-FCF of 121.09 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Solera National Bancorp and its competitors. This is 639% above median its historical median of 16.38. According to the industry distribution chart, Solera National Bancorp ranks #1157 out of 1191 companies in the Banks industry, placing it in the top 97.1%.
Is Solera National Bancorp's EV-to-FCF too high?
Solera National Bancorp's current EV-to-FCF of 121.09 is 639% above median its 10-year median of 16.38. The Banks industry median EV-to-FCF is 7.15. Solera National Bancorp's value of 121.09 is 1593.6% above this industry median. Based on the distribution chart, Solera National Bancorp ranks #1157 out of 1191 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-FCF compare to BKOR and MCBK?
According to the Banks industry distribution chart, Solera National Bancorp ranks #1157 out of 1191 companies for EV-to-FCF. This places Solera National Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. Solera National Bancorp's value of 121.09 is 1593.6% above this benchmark. While the company's 10-year median is 16.38 vs. the industry median of 7.15, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current EV-to-FCF of 121.09 is 1593.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Solera National Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current EV-to-FCF is 121.09, which is 639% above median its own 10-year median of 16.38. 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-FCF is 121.09, which is 639% above median its 10-year median of 16.38 and 1593.6% above the Banks industry median of 7.15. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current EV-to-FCF is 121.09 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-FCF: 121.09 (639% above median its 10-year median of 16.38)
GF Value™: $14.78 vs. price of $20.10 (36% above fair value)
Industry Position: 1593.6% above the Banks median (#1157 of 1191)
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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