Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Solera National BancorpSLRK +1.45%68 Pretax Margin % is 57.22% as of Dec. 2025, which is 10% above its 10-year median of 51.91. 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 1,526 Banks companies, Solera National Bancorp ranks better than 90.17% on this metric.
Solera National Bancorp (OTCPK:SLRK) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Solera National Bancorp Pretax Margin % Related Terms
Solera National Bancorp Pretax Margin % Historical Data
* 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.
SLRK vs BKOR, MCBK, ORPB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Solera National Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's Pretax Margin % falls into.
* 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 Pretax Margin % of 57.22% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Solera National Bancorp and its competitors. This is 10% above median its historical median of 51.91. Over the past decade, Solera National Bancorp's Pretax Margin % has ranged from 19.54 to 61.08. According to the industry distribution chart, Solera National Bancorp ranks #150 out of 1526 companies in the Banks industry, placing it in the top 9.8%.
Is Solera National Bancorp's Pretax Margin % too high?
Solera National Bancorp's current Pretax Margin % of 57.22% is 10% above median its 10-year median of 51.91. Over the past 10 years, this metric has ranged from a low of 19.54 to a high of 61.08. The Banks industry median Pretax Margin % is 35.25. Solera National Bancorp's value of 57.22% is 62.3% above this industry median. Based on the distribution chart, Solera National Bancorp ranks #150 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position 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 Pretax Margin % compare to BKOR and MCBK?
According to the Banks industry distribution chart, Solera National Bancorp ranks #150 out of 1526 companies for Pretax Margin %. This places Solera National Bancorp in the top 10% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.25. Solera National Bancorp's value of 57.22% is 62.3% above this benchmark. Historically, Solera National Bancorp's own Pretax Margin % has ranged from 19.54 to 61.08 over the past decade. While the company's 10-year median is 51.91 vs. the industry median of 35.25, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.25, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current Pretax Margin % of 57.22% is 62.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Solera National Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current Pretax Margin % is 57.22%, which is 10% above median its own 10-year median of 51.91. 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 Pretax Margin % is 57.22%, which is 10% above median its 10-year median of 51.91 and 62.3% above the Banks industry median of 35.25. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current Pretax Margin % is 57.22% as of Dec. 2025. 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:
Pretax Margin %: 57.22% (10% above median its 10-year median of 51.91)
GF Value™: $14.78 vs. price of $20.10 (36% above fair value)
Industry Position: 62.3% above the Banks median (#150 of 1526)
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
Get the complete analysis for SLRK
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SLRK has been successfully added to your 
