Skyline Bankshares, Inc. (SLBK) intrinsic value & 10-year financials

Skyline Bankshares, Inc. (SLBK) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 10 fiscal years revenue shrank 45.8% a year to $74.0K, with an average return on invested capital of 13.1%.

Graham intrinsic value
—
Share price (Oct 17, 2026)
$28.65
Revenue (FY2025)
$74.0K
Revenue growth (10-yr CAGR)
-45.8%
ROIC (10-yr avg)
13.1%
Free cash flow (FY2025)
$10.6M

SLBK 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2025 $74.0K $15.8M — $10.6M — 16.1%
FY2024 $72.0K $7.4M — $9.0M — 8.7%
FY2023 $52.0K $9.7M — $8.5M — 12.5%
FY2022 $56.0K $10.3M — $6.8M — 13.0%
FY2021 $60.0K $9.5M — $3.7M — 11.1%
FY2020 $35.0K $5.9M — $2.0M — 15.8%
FY2019 $62.0K $7.2M — $5.6M — 19.7%
FY2018 $24.0M $4.5M — $3.4M — 12.9%
FY2017 $21.3M $2.4M — -$893.0K — 9.0%
FY2016 $18.4M $2.4M — $2.9M — 12.4%

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

Skyline Bankshares, Inc. is facing top-line stagnation, with revenue contracting over the decade.

Skyline Bankshares, Inc. returns on capital have been average, hovering around 13.1% ROIC over the decade.

Over the decade, Skyline Bankshares, Inc. shows that the company has leveraged its balance sheet to sustain operations.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, Skyline Bankshares, Inc. is modeled at -45.8% normalized earnings growth with a 5.1% bond-yield adjustment.

SLBK stock: frequently asked questions

How fast has Skyline Bankshares, Inc. grown?

Revenue went from $18.4M in fiscal 2016 to $74.0K in fiscal 2025, a compound annual growth rate of -45.8%. Net income was $15.8M in fiscal 2025.

Does Skyline Bankshares, Inc. generate free cash flow?

Skyline Bankshares, Inc. generated $10.6M of free cash flow (operating cash flow minus capital expenditures) in fiscal 2025. Free cash flow was positive in 9 of the last 10 reported years.

What is SLBK's return on invested capital?

Average ROIC over the last 10 fiscal years was 13.1%, and average return on equity was 9.3%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this SLBK data come from?

From Skyline Bankshares, Inc.'s annual 10-K filings on SEC EDGAR, most recently filed May 15, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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