Skyline Bankshares (SLBK)
OTHER OTC:SLBK
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Skyline Bankshares
(OTC:SLBK)
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Rating:77Outperform
Price Target:
$25.00
▲(29.87% Upside)
Action:ReiteratedDate:03/26/26
The score is driven primarily by strong financial performance in 2025 and an attractive valuation (low P/E plus dividend yield). This is partially offset by mixed technical momentum (negative MACD and sub-50 RSI) and some fundamental sustainability questions due to year-to-year variability and weaker cash conversion.
Positive Factors
Very conservative leverage
The dramatic reduction in leverage to roughly 0.01 in 2025 reflects a very conservative capital structure and rising equity. Over months this enhances loss-absorption capacity, preserves lending flexibility, and reduces refinancing risk, supporting steadier credit operations and capital returns.
Negative Factors
Weak free cash flow conversion
FCF covering only ~57% of net income and a decline from prior year suggests earnings quality and cash timing issues. Persistently weak conversion constrains internal funding for loans, capital buffers, and dividends, increasing reliance on external funding or capital actions.
Read all positive and negative factors
Positive Factors
Negative Factors
Very conservative leverage
The dramatic reduction in leverage to roughly 0.01 in 2025 reflects a very conservative capital structure and rising equity. Over months this enhances loss-absorption capacity, preserves lending flexibility, and reduces refinancing risk, supporting steadier credit operations and capital returns.
Read all positive factors
Skyline Bankshares (SLBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$124.79M
Dividend Yield2.76%
Average Volume (3M)2.54K
Price to Earnings (P/E)6.7
Beta (1Y)<0.01
Revenue Growth26.33%
EPS Growth96.43%
CountryUS
Employees248
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.79
Shares Outstanding5,672,204
10 Day Avg. Volume538
30 Day Avg. Volume2,537
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.99
Price to Sales (P/S)1.44
P/FCF Ratio9.97
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue1.45
Enterprise Value/Gross Profit1.85
Enterprise Value/Ebitda4.80
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Skyline Bankshares Business Overview & Revenue Model
Company Description
Skyline Bankshares, Inc. operates as the holding company for the Skyline National Bank that provides various banking and financial services to individuals, and small and medium sized businesses in the United States. Its deposit products include sa...
How the Company Makes Money
Skyline Bankshares generates earnings primarily through its banking subsidiary by (1) net interest income and (2) noninterest income. Net interest income is the spread between interest earned on interest-earning assets—principally loans (commercia...
Skyline Bankshares Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
77
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 73.53M | 60.82M | 50.34M | 42.82M | 41.32M |
| Gross Profit | 57.31M | 45.64M | 42.62M | 40.29M | 38.17M |
| EBITDA | 20.03M | 11.88M | 14.33M | 14.97M | 13.99M |
| Net Income | 15.84M | 7.42M | 9.70M | 10.28M | 9.48M |
Balance Sheet | |||||
| Total Assets | 1.29B | 1.22B | 1.05B | 997.73M | 995.85M |
| Cash, Cash Equivalents and Short-Term Investments | 20.07M | 23.73M | 149.01M | 165.25M | 150.05M |
| Total Debt | 1.28M | 32.00M | 25.00M | 1.32M | 8.20M |
| Total Liabilities | 1.19B | 1.13B | 962.96M | 924.80M | 910.65M |
| Stockholders Equity | 107.66M | 88.67M | 82.88M | 72.94M | 85.19M |
Cash Flow | |||||
| Free Cash Flow | 10.64M | 9.04M | 8.50M | 6.83M | 3.73M |
| Operating Cash Flow | 18.77M | 12.74M | 11.34M | 10.63M | 9.55M |
| Investing Cash Flow | -68.74M | -44.36M | -53.38M | -107.22M | -122.67M |
| Financing Cash Flow | 53.71M | 28.98M | 33.07M | 12.00M | 133.07M |
Skyline Bankshares Technical Analysis
Neutral
19.25
Price Trends
22.43
Negative
20.50
Positive
18.56
Positive
Market Momentum
-0.09
Negative
47.23
Neutral
69.59
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLBK, the sentiment is Neutral. The current price of 19.25 is below the 20-day moving average (MA) of 21.95, below the 50-day MA of 22.43, and above the 200-day MA of 18.56, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 47.23 is Neutral, neither overbought nor oversold. The STOCH value of 69.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SLBK.
Skyline Bankshares Risk Analysis
Skyline Bankshares disclosed 24 risk factors in its most recent earnings report. Skyline Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Skyline Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $124.79M | 6.70 | 15.83% | 2.76% | 26.33% | 96.43% | |
69 Neutral | $109.40M | 17.90 | 4.68% | 3.50% | 0.99% | -16.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $121.17M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
60 Neutral | $120.33M | 18.92 | 2.98% | 1.51% | 8.77% | 369.81% | |
51 Neutral | $84.53M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
SLBK
Skyline Bankshares
22.00
10.02
83.65%
LSBK
Lake Shore Bancorp
15.70
5.72
57.25%
PBHC
Pathfinder Bancorp
13.51
-1.69
-11.12%
PROV
Provident Financial Holdings
17.16
3.65
27.06%
RVSB
Riverview Bancorp
5.81
0.20
3.64%
Skyline Bankshares Corporate Events
Dividends
Skyline Bankshares Declares Semi-Annual Cash Dividend Payment
Positive
Feb 20, 2026
On February 20, 2026, Skyline Bankshares, Inc. announced that its board of directors had declared a semi-annual cash dividend of $0.30 per share on its common stock, reflecting the company’s ongoing capital return to shareholders. The divide...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.