Solera National Valuation

SLRK Stock  USD 9.68  0.57  5.56%   
At this time, the company appears to be overvalued. Solera National Bancorp has a current Real Value of $8.14 per share. The regular price of the company is $9.68. Our model measures the value of Solera National Bancorp from inspecting the company fundamentals such as Operating Margin of 0.65 %, return on equity of 0.3, and Price To Book of 0.89 X as well as reviewing its technical indicators and probability of bankruptcy.
Overvalued
Today
9.68
Please note that Solera National's price fluctuation is somewhat reliable at this time. Calculation of the real value of Solera National Bancorp is based on 3 months time horizon. Increasing Solera National's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Solera National's intrinsic value may or may not be the same as its current market price of 9.68, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  9.68 Real  8.14 Hype  9.68 Naive  9.89
The intrinsic value of Solera National's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Solera National's stock price.
8.14
Real Value
10.39
Upside
Estimating the potential upside or downside of Solera National Bancorp helps investors to forecast how Solera pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Solera National more accurately as focusing exclusively on Solera National's fundamentals will not take into account other important factors:
Bollinger
Band Projection (param)
LowerMiddle BandUpper
9.329.9510.58
Details
Hype
Prediction
LowEstimatedHigh
7.439.6811.93
Details
Naive
Forecast
LowNext ValueHigh
7.649.8912.13
Details

Solera National Total Value Analysis

Solera National Bancorp is at this time projected to have valuation of 51.42 M with market capitalization of 33.33 M, debt of 76.63 M, and cash on hands of 6.5 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Solera National fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
51.42 M
33.33 M
76.63 M
6.5 M

Solera National Investor Information

The company has price-to-book ratio of 0.89. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Solera National Bancorp had not issued any dividends in recent years. Solera National Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.

Solera National Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Solera National has an asset utilization ratio of 18.21 percent. This suggests that the Company is making $0.18 for each dollar of assets. An increasing asset utilization means that Solera National Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.

Solera National Profitability Analysis

The company reported the previous year's revenue of 30.59 M. Net Income was 11.09 M with profit before overhead, payroll, taxes, and interest of 22.48 M.

About Solera National Valuation

We use absolute and relative valuation methodologies to arrive at the intrinsic value of Solera National Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Solera National Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Solera National's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Solera National's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Solera National. We calculate exposure to Solera National's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Solera National's related companies.
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals in the United States. The company was founded in 2005 and is headquartered in Lakewood, Colorado. Solera Natl is traded on OTC Exchange in the United States.

8 Steps to conduct Solera National's Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Solera National's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Solera National's valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain Solera National's financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine Solera National's revenue streams: Identify Solera National's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research Solera National's industry and market trends, including the size of the market, growth rate, and competition.
  • Establish Solera National's growth potential: Evaluate Solera National's management, business model, and growth potential.
  • Determine Solera National's financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Solera National's estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.

Solera National Growth Indicators

Investing in growth stocks can be very risky. If the company such as Solera National does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Quarterly Earnings Growth Y O Y0.442
Retained Earnings19.8 M

Other Information on Investing in Solera Pink Sheet

Solera National financial ratios help investors to determine whether Solera Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Solera with respect to the benefits of owning Solera National security.