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Solera National BancorpSLRK +1.45%68 Return-on-Tangible-Equity is 23.49% as of Dec. 2025, which is 33% above its 10-year median of 17.66. GuruFocus rates SLRK with a GF Scoreâ„¢ of 68/100 and a GF Valueâ„¢ of $14.78 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,522 Banks companies, Solera National Bancorp ranks better than 93.5% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Solera National Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $23.01 Mil. Solera National Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $97.92 Mil. Therefore, Solera National Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 23.49%.
The historical rank and industry rank for Solera National Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
SLRK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.17 Med: 17.66 Max: 31.15
Current: 23.49
During the past 13 years, Solera National Bancorp's highest Return-on-Tangible-Equity was 31.15%. The lowest was 2.17%. And the median was 17.66%.
SLRK's Return-on-Tangible-Equity is ranked better than 93.5% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs SLRK: 23.49
Solera National Bancorp (OTCPK:SLRK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Solera National Bancorp Return-on-Tangible-Equity Related Terms
Solera National Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Solera National Bancorp's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
SLRK vs BKOR, MCBK, ORPB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Solera National Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 23.49% mean?
Solera National Bancorp (SLRK) has a Return-on-Tangible-Equity of 23.49% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Solera National Bancorp and its competitors. This is 33% above median its historical median of 17.66. Over the past decade, Solera National Bancorp's Return-on-Tangible-Equity has ranged from 2.17 to 31.15. According to the industry distribution chart, Solera National Bancorp ranks #99 out of 1522 companies in the Banks industry, placing it in the top 6.5%.
Is Solera National Bancorp's Return-on-Tangible-Equity too high?
Solera National Bancorp's current Return-on-Tangible-Equity of 23.49% is 33% above median its 10-year median of 17.66. Over the past 10 years, this metric has ranged from a low of 2.17 to a high of 31.15. The Banks industry median Return-on-Tangible-Equity is 11.32. Solera National Bancorp's value of 23.49% is 107.6% above this industry median. Based on the distribution chart, Solera National Bancorp ranks #99 out of 1522 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 Return-on-Tangible-Equity compare to BKOR and MCBK?
According to the Banks industry distribution chart, Solera National Bancorp ranks #99 out of 1522 companies for Return-on-Tangible-Equity. This places Solera National Bancorp in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.32. Solera National Bancorp's value of 23.49% is 107.6% above this benchmark. Historically, Solera National Bancorp's own Return-on-Tangible-Equity has ranged from 2.17 to 31.15 over the past decade. While the company's 10-year median is 17.66 vs. the industry median of 11.32, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.32, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current Return-on-Tangible-Equity of 23.49% is 107.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Solera National Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current Return-on-Tangible-Equity is 23.49%, which is 33% above median its own 10-year median of 17.66. 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 Return-on-Tangible-Equity is 23.49%, which is 33% above median its 10-year median of 17.66 and 107.6% above the Banks industry median of 11.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current Return-on-Tangible-Equity is 23.49% 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:
Return-on-Tangible-Equity: 23.49% (33% above median its 10-year median of 17.66)
GF Value™: $14.78 vs. price of $20.10 (36% above fair value)
Industry Position: 107.6% above the Banks median (#99 of 1522)
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
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