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what it is
Skyline runs a community bank that takes deposits and makes real estate, business, farm, and consumer loans.
how it gets paid
Last year Skyline Bankshares made $54M in revenue. real estate lending was the main engine at $24.3M, or 45% of sales.
what just happened
Q4 2024 EPS came in at $0.45, after sliding as low as $0.19 in Q3 2024.
At a glance
B+ balance sheet — decent shape, but not bulletproof
65/100 earnings predictability — reasonably predictable
8.0x trailing p/e — the market's not buying it — or you found a deal
2.8% dividend yield — cash in your pocket every quarter
$1.34 fy2024 eps est
xvary composite: 78/100 — average
What they do
Skyline runs a community bank that takes deposits and makes real estate, business, farm, and consumer loans.
This is a local lender with local approval power. Officers can approve up to $2.5 million for one borrower, and directors can go to $4.0 million, so your customer is talking to people who know the county, not a call center. Loans are 88.82% of interest-earning assets, which means Skyline wins when it keeps that money working close to home.
How they make money
$54M
annual revenue
real estate lending
$24.3M
commercial lending
$13.5M
agricultural lending
$5.4M
consumer lending
$4.9M
deposit fees and other banking services
$5.9M
The products that matter
business loans and treasury services
Commercial banking
$9.6M core spread income
this is the engine. net interest income reached $9.6M last quarter, up by $1.6M. if you want the bull case in one line, it is that this new level holds.
63% of revenue
consumer deposits and local lending
Retail banking
$23.2M cash
retail banking matters because deposits fund the loan book. the snapshot shows $23.2M in cash, which gives you liquidity but not the luxury of getting sloppy.
funding base
fees, service charges, other income
Non-interest income
$5.6M this quarter
at $5.6M, non-interest income made up 37% of quarterly revenue. that helps, but the main earnings swing still comes from lending economics, not fees.
secondary driver
Key numbers
100/100
calm trading
The shares have behaved unusually steadily for a microcap bank. So what: the business is small, but the stock has not traded like a panic machine.
8.0x
trailing p/e
P/E → price compared with past earnings → so what: you are paying $8 for each $1 of trailing profit.
2.8%
dividend yield
Dividend yield → cash you get back each year versus the share price → so what: you are paid to wait, if earnings hold.
17%
debt to capital
Debt to capital → how much of the funding stack is long-term debt → so what: leverage exists, but it is not the whole story.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 1 — safer than 95% of stocks
- price stability 100 / 100
- long-term debt $25M (17% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for SLBK right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Q4 2024 EPS came in at $0.45, after sliding as low as $0.19 in Q3 2024.
's quarterly history shows a choppy year: $0.37, $0.33, $0.19, then $0.45. Full-year EPS fell to $1.34 from $1.74 in 2023, while TTM revenue was about $54 million based on EDGAR and Yahoo Finance.
$54M
ttm revenue
$0.45
q4 eps
$1.34
fy2024 eps
the number that mattered
The number that mattered was $1.34 in FY2024 EPS, because that was down 23.0% from $1.74 in 2023 and explains why the stock still looks cheap.
source: quarterly history; EDGAR and Yahoo Finance consensus
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What could go wrong
the #1 risk is virginia credit concentration.
high
Virginia footprint risk
All operations are tied to one state. If local credit quality weakens, 100% of the bank's $15.2M quarterly revenue feels it.
Small banks do not get geographic diversification as a bailout.
med
Rate-driven margin reversal
The latest quarter improved because net interest income increased by $1.6M. If deposit costs climb faster than loan yields, that improvement can disappear fast.
This is the catch inside the whole thesis: the earnings step-up needs margin support, not just one clean quarter.
med
Thin coverage and thin context
The stock has 0 analysts in this snapshot, and total return data is incomplete here. You are doing more of the underwriting work yourself.
Less consensus can create mispricing. It also means fewer external checks before something breaks.
A local credit problem or a reversal in spread economics would hit the same business that just produced $4.4M in quarterly profit.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Net interest income needs to hold the gain
Last quarter's $9.6M net interest income included a $1.6M jump. If that line holds, the earnings improvement looks more durable. If not, the quarter was a brief spike.
calendar
Next earnings report
The next earnings date is estimated for April 27, 2026. For a bank this small, one quarter can rewrite the whole page.
trend
Recent weakness in the tape
SLBK fell 7.3% last week and 6.2% over the last month. You want to see whether better earnings eventually win that argument.
risk
Dividend versus credit quality
A $0.30 semi-annual dividend is payable March 23, 2026, with the ex-dividend date on March 13, 2026. Nice income, but only if credit stays clean enough to keep it comfortable.
Analyst rankings
earnings predictability
65 / 100
in human-speak, the numbers are stable enough to model, but not stable enough to trust blindly.
analyst coverage
0
No Wall Street chorus here. That can create mispricing, or it can mean you are standing in the dark with a flashlight.
price stability
100 / 100
The stock has been unusually steady. The business underneath it still carries normal bank risk.
source: institutional data
Institutional activity
institutional ownership data for SLBK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$20
current price
n/a
target midpoint · n/a from current
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