Solera National Bancorp, Inc. Financial Ratios — SLRK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.3	1.44	-3.55	-2.45	9.29	14.58	2.17	7.53	9.37	13.4	20.74	31.15	24.27	21.41	23.49
Return on Assets (%)	0.17	0.19	-0.41	-0.28	1.22	2.07	0.31	1.13	1.42	1.65	2.04	2.21	1.5	1.51	1.69
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	1.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.86	7.71	-2.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	5.5	-5.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	23.34	802.86	- -	-17.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	4.77	5.5	-5.47	-5.26	35.9	19.54	33.74	40.14	46	49.2	60.95	61.08	54.62	54.96	57.22
Profit Margin (%)	4.77	5.5	-5.47	-5.26	35.9	66.55	10.04	30.66	35.71	38.04	46.06	50.48	42.79	40.4	42.45
Net Income to Common Margin (%)	4.77	5.5	-5.47	-5.26	35.9	66.55	10.04	30.66	35.71	38.04	46.06	50.48	42.79	40.4	42.45
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	70.25	23.61	22.38	22.67	24.43	17.37	21.67	26.5	25.82
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	1.3	1.44	-3.55	-2.45	9.29	14.58	2.17	7.53	9.37	13.4	20.74	31.15	24.27	21.41	23.49

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	6	8	18	6	5	6	12	4	4	4	4	56	172	141	313
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	6	8	18	6	5	6	12	4	4	4	4	56	172	141	313
Total Debt/EBITDA	44.83	21.57	-51.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	25.5	13.97	-43.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	30.25	-27.95	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	19.59	-23.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.1	12.96	10	12.75	13.58	14.78	13.7	16.08	14.37	11.02	9.03	5.8	6.48	7.61	6.89
Long-Term Debt/Equity (%)	34.14	42.63	107.85	35.25	25.21	25.2	50.87	11.27	9.87	8.33	6.79	97.31	216.34	158.47	293.03
Long-Term Debt/Capital (%)	25.45	29.89	51.89	26.06	20.13	20.13	33.72	10.13	8.98	7.69	6.36	49.32	68.39	61.31	74.56
Long-Term Debt/Total Assets (%)	4.47	5.52	10.79	4.49	3.42	3.73	6.97	1.81	1.42	0.92	0.61	5.64	14.03	12.05	20.2
Total Debt/Equity (%)	34.14	42.63	107.85	35.25	25.21	25.2	50.87	11.27	9.87	8.33	6.79	97.31	216.34	158.47	293.03
Total Debt/Capital (%)	25.45	29.89	51.89	26.06	20.13	20.13	33.72	10.13	8.98	7.69	6.36	49.32	68.39	61.31	74.56
Total Debt/Total Assets (%)	4.47	5.52	10.79	4.49	3.42	3.73	6.97	1.81	1.42	0.92	0.61	5.64	14.03	12.05	20.2
Net Debt to Equity	19.42	27.61	92.54	-20	-16.33	-4.59	-6.5	-18	-43.76	-23.72	-29.48	-8.64	-6.68	-1.94	-3.1
Net Debt/Capital (%)	16.26	21.63	48.06	-17.36	-15	-3.81	-4.51	-19.3	-66.19	-28.03	-38.14	-4.58	-2.16	-0.76	-0.8
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	-1	- -	- -	- -	-7	-5	-6	-12	-4	-8	-10
Operating Income (Loss)	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.1	12.96	10	12.75	13.58	14.78	13.7	16.08	14.37	11.02	9.03	5.8	6.48	7.61	6.89
Long-Term Debt/Equity (%)	34.14	42.63	107.85	35.25	25.21	25.2	50.87	11.27	9.87	8.33	6.79	97.31	216.34	158.47	293.03
Long-Term Debt/Capital (%)	25.45	29.89	51.89	26.06	20.13	20.13	33.72	10.13	8.98	7.69	6.36	49.32	68.39	61.31	74.56
Long-Term Debt/Total Assets (%)	4.47	5.52	10.79	4.49	3.42	3.73	6.97	1.81	1.42	0.92	0.61	5.64	14.03	12.05	20.2
Total Debt/Equity (%)	34.14	42.63	107.85	35.25	25.21	25.2	50.87	11.27	9.87	8.33	6.79	97.31	216.34	158.47	293.03
Total Debt/Capital (%)	25.45	29.89	51.89	26.06	20.13	20.13	33.72	10.13	8.98	7.69	6.36	49.32	68.39	61.31	74.56
Total Debt/Total Assets (%)	4.47	5.52	10.79	4.49	3.42	3.73	6.97	1.81	1.42	0.92	0.61	5.64	14.03	12.05	20.2
CFO/Total Liabilities	0.91	2.24	-2.97	7.83	1.93	1.31	0.98	1.57	2	1.66	1.68	1.71	1.76	1.76	0.9
CFO/CapEx	88.69	5.85	-43.98	1,235.75	1.74	78.95	56.69	291.6	0.72	1.3	1.66	1.37	4.6	2.3	1.34
Altman's Z-Score	-0.04	0.04	0.06	0.04	0.05	0.1	0.1	0.15	0.17	0.14	0.13	0.12	0.12	0.15	0.15

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	7.55	7.91	17	23.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	48.32	46.13	21.47	15.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	15	16	13	16	21	24	36	48	47	50	49	42	41	63
- Cash & Cash Equivalents	3	3	3	4	3	1	2	6	18	11	17	5	5	2	3
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	6	8	18	6	5	6	12	4	4	4	4	56	172	141	313
Enterprise Value	4	20	32	16	18	26	35	34	34	40	37	101	209	180	373
Total Capital	26	28	35	25	25	29	36	39	45	52	63	114	252	230	420
Total Debt/Capital (%)	25.45	29.89	51.89	26.06	20.13	20.13	33.72	10.13	8.98	7.69	6.36	49.32	68.39	61.31	74.56
Total Debt / EV	1.76	0.41	0.57	0.41	0.28	0.22	0.35	0.12	0.12	0.1	0.11	0.56	0.82	0.78	0.84
EV/Sales	0.73	4.01	2.67	1.94	3.55	5.58	6.81	4.67	3.42	2.54	1.53	2.8	5.36	4.03	6.89
EV/EBITDA	25.5	52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	72.91	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.21	6.84	- -	1.61	7.22	15.09	23.43	11.66	7.06	6.15	3.7	6.28	10.35	9.48	28.68
EV/Free Cash Flow to Firm	3.17	5.84	- -	1.61	4.58	14.91	23.02	11.62	2.95	3.47	2.31	3.63	8.5	6.6	16.4
Diluted Market Cap	- -	14	16	13	16	21	23	32	48	46	50	49	42	41	63
Diluted Enterprise Value	4	20	32	15	17	26	33	30	34	39	37	100	209	180	373
EV per Share	1.37	7.33	11.47	5.46	6.01	9.04	11.89	8.32	8.24	9.27	8.59	23.4	48.54	41.86	86.8
TTM Sales	5	5	12	8	5	5	5	7	10	16	24	36	39	45	54
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	3	-5	10	2	2	1	3	5	6	10	16	20	19	13
TTM Free Cash Flow to Firm	1	4	-4	10	4	2	2	3	12	11	16	28	25	27	23

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	4.11	-3.65	1.27	4.05	12.08	15.14	11.04	4.15	4.04	3.14	1.78	1.71	1.49	2.78
EV/EBIT	- -	72.91	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	4	20	32	16	18	26	35	34	34	40	37	101	209	180	373
Low Price	- -	4.11	5.36	4.3	4.3	4.8	7.15	8.25	8.75	8	10.95	9.35	9.1	8.3	8.45
EV/Sales	0.73	4.01	2.67	1.94	3.55	5.58	6.81	4.67	3.42	2.54	1.53	2.8	5.36	4.03	6.89
EV/EBITDA	25.5	52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	51.33	- -	- -	8.73	6.79	44.16	14.23	13.23	7.76	4.53	2.71	2.52	2.26	- -
Price/Earnings Average	- -	44.59	-27.56	-33.84	8.54	5.45	41.82	14.42	12.57	7.04	4.72	2.52	2.79	2.29	- -
Price/Earnings High	- -	52.67	-38.92	-40.05	9.52	6.97	45.77	16.95	13.51	8.18	5.4	2.94	3.39	2.61	- -
Price/Earnings Low	- -	39.36	-22.55	-27.78	6.94	4.4	38.28	13.19	10.02	5.64	4.24	2.2	2.35	1.98	- -
Price/Book Value	- -	0.75	0.96	0.71	0.8	0.93	1.01	1.03	1.18	0.98	0.85	0.86	0.53	0.46	0.59
Price/Book Value Average	- -	0.65	1.08	0.83	0.78	0.75	0.95	1.04	1.12	0.89	0.89	0.8	0.58	0.46	0.42
Price/Book Value High	- -	0.77	1.52	0.98	0.87	0.96	1.04	1.22	1.21	1.03	1.02	0.93	0.71	0.53	0.6
Price/Book Value Low	- -	0.58	0.88	0.68	0.63	0.6	0.87	0.95	0.89	0.71	0.8	0.7	0.49	0.4	0.34
Price/Tangible Book Value	- -	0.75	0.96	0.71	0.8	0.93	1.01	1.03	1.18	0.98	0.85	0.86	0.53	0.46	0.59
Price/Tangible Book Value Average	- -	0.65	1.08	0.83	0.78	0.75	0.95	1.04	1.12	0.89	0.89	0.8	0.58	0.46	0.42
Price/Tangible Book Value High	- -	0.77	1.52	0.98	0.87	0.96	1.04	1.22	1.21	1.03	1.02	0.93	0.71	0.53	0.6
Price/Tangible Book Value Low	- -	0.58	0.88	0.68	0.63	0.6	0.87	0.95	0.89	0.71	0.8	0.7	0.49	0.4	0.34
Price/Sales	- -	2.82	1.35	1.53	3.13	4.52	4.43	4.36	4.72	2.95	2.09	1.37	1.08	0.91	- -
Price/Sales Average	- -	2.45	1.51	1.78	3.07	3.63	4.2	4.42	4.49	2.68	2.17	1.27	1.19	0.92	- -
Price/Sales High	- -	2.9	2.13	2.11	3.42	4.64	4.59	5.2	4.82	3.11	2.49	1.49	1.45	1.05	- -
Price/Sales Low	- -	2.17	1.23	1.46	2.49	2.93	3.84	4.05	3.58	2.15	1.95	1.11	1.01	0.8	- -
Price/Cash Flow	- -	4.82	-3.56	1.27	6.38	12.22	15.25	10.9	9.74	7.14	5.03	3.07	2.08	2.15	- -
Price/Cash Flow Average	- -	4.18	-3.99	1.48	6.24	9.81	14.44	11.04	9.26	6.47	5.23	2.86	2.31	2.17	- -
Price/Cash Flow High	- -	4.94	-5.64	1.75	6.95	12.55	15.81	12.98	9.95	7.53	6	3.34	2.8	2.48	- -
Price/Cash Flow Low	- -	3.69	-3.27	1.22	5.07	7.93	13.22	10.1	7.38	5.19	4.71	2.49	1.94	1.88	- -
Price/Free Cash Flow Average	- -	3.57	-4.08	1.48	3.96	9.7	14.34	11.18	3.95	3.67	3.27	1.66	1.89	1.51	1.95
Price/Free Cash Flow High	- -	4.22	-5.77	1.75	4.42	12.41	15.69	13.15	4.24	4.26	3.75	1.93	2.3	1.73	2.83
Price/Free Cash Flow Low	- -	3.15	-3.34	1.22	3.22	7.84	13.12	10.23	3.15	2.94	2.94	1.44	1.59	1.31	1.6
EV/Sales Average	0.73	3.63	2.84	2.2	3.48	4.68	6.56	4.74	3.18	2.26	1.62	2.7	5.48	4.04	6.54
EV/Sales High	0.73	4.09	3.46	2.54	3.84	5.7	6.98	5.62	3.52	2.71	1.94	2.92	5.73	4.17	6.91
EV/Sales Low	0.73	3.33	2.56	1.87	2.89	3.97	6.18	4.31	2.26	1.72	1.4	2.54	5.29	3.92	6.39
EV/EBITDA Average	25.5	47.01	-95.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	25.5	52.99	-116.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	25.5	43.13	-85.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	65.91	-51.95	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	74.3	-63.48	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	60.48	-46.87	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	5.36	5.85	4.5	5.41	7.4	8.25	8.9	11.55	11	11.7	11.5	9.76	9.48	14.73
High Price	- -	5.5	9.25	6.2	5.9	7.6	8.55	10.6	11.8	11.6	13.95	12.5	13.12	10.95	15
Enterprise Value Average	4	19	34	18	17	22	33	34	32	35	39	97	213	181	354
Enterprise Value High	4	21	42	21	19	27	35	41	35	42	47	105	223	186	374
Enterprise Value Low	4	17	31	15	14	19	31	31	23	27	34	91	206	175	346

Shares Outstanding	3	3	3	3	3	3	3	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	3	3	4	4	4	4	4	4	4	- -
Revenue per Share	1.89	1.9	4.35	2.94	1.73	1.64	1.86	2.04	2.45	3.73	5.6	8.42	9.05	10.38	- -
EBITDA per Share	0.05	0.15	-0.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	0.1	-0.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.09	0.1	-0.24	-0.15	0.62	1.09	0.19	0.63	0.87	1.42	2.58	4.25	3.87	4.19	- -
Basic EPS from Cont Ops	0.09	0.1	-0.24	-0.15	0.62	1.09	0.19	0.63	0.87	1.42	2.58	4.25	3.87	4.19	- -
Diluted EPS, GAAP	0.09	0.1	-0.24	-0.15	0.62	1.09	0.18	0.62	0.86	1.41	2.58	4.25	3.87	4.19	5.35
Diluted EPS from Cont Ops	0.09	0.1	-0.24	-0.15	0.62	1.09	0.18	0.62	0.86	1.41	2.58	4.25	3.87	4.19	5.35
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.43	1.11	-1.64	3.53	0.85	0.61	0.54	0.82	1.19	1.54	2.33	3.75	4.69	4.42	- -
Free Cash Flow per Basic Share	0.42	0.92	-1.68	3.53	0.36	0.6	0.53	0.81	-0.47	0.35	0.93	1.02	3.67	2.49	- -
Cash & Equivalents per Share	1.04	1.07	0.93	1.26	1.11	0.37	0.53	1.56	4.28	2.66	4.04	1.16	1.24	0.4	0.77
Book Value per Share	7.08	7.13	6.07	6.31	6.79	7.95	8.2	8.68	9.78	11.23	13.7	13.43	18.5	20.69	24.86
Tangible Book Value per Share	7.08	7.13	6.07	6.31	6.79	7.95	8.2	8.68	9.78	11.23	13.7	13.43	18.5	20.69	24.86

Solera National Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)