Skyline Bankshares (SLBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Skyline Bankshares

OTC Markets OTCQX•Financial Services•Banks - Regional

$28.33+0.31(0.01%)Market closed

Market Cap

$161.66M

P/E

9.0x

P/S

2.1x

P/B

1.4x

Skyline Bankshares, Inc. operates as the bank holding company for the Skyline National Bank that provides a range of retail and commercial banking services to individuals, and small and medium-sized businesses in the United States. The company's deposit products include savings, demand, NOW, and money market deposits; checking accounts; individual retirement accounts; health savings accounts; and certificates of deposit. It also provides construction and development loans, farm and farmland loans, single and multi-family housing loans, residential and commercial construction loans, residential and commercial real estate loans, commercial and agricultural production loans, commercial lines of credit, commercial term loans, personal loans, student loans, recreational vehicle loans, home equity loans and lines of credit, and commercial mortgage loans; business loans, including equipment loans, business lines of credit/working capital solutions, agribusiness lending, small business administration guaranteed loans, and farm service agency and United States Department of Agriculture loans; and consumer loans comprising loans for household expenditures, car loans, and other loans. In addition, the company offers debit and credit cards; ATMs; online and mobile banking services; bill pay; positive pay; merchant capture; wealth management; and investment services. The company was formerly known as Parkway Acquisition Corp. and changed its name to Skyline Bankshares, Inc. in January 2023. Skyline Bankshares, Inc. was founded in 1900 and is headquartered in Floyd, Virginia.

How this company scores

ExcellentMetricSide Score: 88/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability25/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.0x5y range 5.4x – 9.6x

Currently above its 20-quarter median.

P/S · 2.1x5y range 1.1x – 2.1x

Currently above its 20-quarter median.

P/B · 1.4x5y range 0.7x – 1.4x

Price & Volume

Market Cap $161.66M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $76.76M
Q. Revenue: $19.75M
TTM EBITDA: $23.60M
TTM Op. Income: $22.91M
Q. Op. Income: $6.35M
TTM Net Income: $18.05M
Q. Net Income: $4.99M
EPS: $0.89
Shares Out.: $5.62M

$76.76M in TTM revenue grew 12.1% YoY, reaching $19.75M last quarter. TTM EBITDA of $23.60M and TTM operating income of $22.91M show growth is flowing through to the bottom line. TTM net income of $18.05M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 82.8%
EBITDA Margin: 33.0%
Op. Margin: 32.2%
Net Margin: 25.2%

Op. margin of 32.2% is up 5.4% YoY — cost efficiency is improving. Net margin at 25.2% and gross margin of 82.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 7 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.0x
P/S Ratio: 2.1x
P/B Ratio: 1.4x

At 9.0x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.33B
Cash: $19.90M
Long-Term Debt: $0
Book Value: $115.28M
D/E Ratio: 0.0
Debt/EBITDA: 0.0

With $1.33B in assets and $0 in long-term debt, D/E is 0.0and book value is $115.28M — a conservative capital structure with a cushion to weather downturns.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.25M
TTM Free Cash Flow: $15.34M
FCF Margin: 20.0%
FCF / Net Income: 0.8

TTM FCF of $15.34M on $5.25M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.