Financial Services / Banks - RegionalNasdaqCM
$53.54
+0.00 (+0.00%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 42.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
31/100
D
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$547M
P/E
N/A
•EV/EBITDA
N/A
•ROE
8.8%
↑Gross Margin
N/A
•Debt/Equity
0.61
↑Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.4%
FCF CAGR
+12.1%
FCF margin
27.4%
FCF / Net income
1.42x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $191.8M · net income $37.1M · FCF $52.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $191.8M | $191.8M | $132.2M | $115.1M | $108.9M | $78.2M | $85.3M | $69.6M | $64.5M | $51.8M | $40.5M | $39.5M | $37.5M | $37.6M | $40.4M | $41.8M | $44.6M | $45.8M |
| Net Income | $37.1M | $37.1M | $31.8M | $31.7M | $35.8M | $27.8M | $18.4M | $23.7M | $21.7M | $9.8M | $10.9M | $11.0M | $10.3M | $9.3M | $8.9M | $8.5M | $8.4M | $7.2M |
| EPS | 3.60 | 3.60 | 3.73 | 3.71 | 4.15 | 3.19 | 2.13 | 3.36 | 3.09 | 1.50 | 1.80 | 1.83 | 1.71 | 1.56 | 1.49 | 1.43 | 1.42 | 1.22 |
| Net Margin | 19.3% | 19.3% | 24.1% | 27.5% | 32.8% | 35.6% | 21.6% | 34.1% | 33.7% | 18.9% | 26.8% | 27.9% | 27.4% | 24.8% | 22.0% | 20.3% | 18.9% | 15.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.61 | 0.61 | 0.84 | 0.70 | 0.09 | 0.13 | 0.21 | 0.35 | 0.50 | 0.61 | 0.62 | 0.67 | 0.74 | 0.77 | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $52.6M | $52.6M | $38.8M | $39.4M | $37.4M | $40.5M | $24.4M | $24.3M | $27.8M | $15.3M | $9.8M | $12.6M | $7.7M | $15.8M | $7.3M | $16.2M | $7.8M | $8.5M |
| Returns | ||||||||||||||||||
| ROE | 8.8% | 8.8% | 10.5% | 11.4% | 14.6% | 10.2% | 7.1% | 12.5% | 12.9% | 6.4% | 9.1% | 9.6% | 9.4% | 8.7% | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 45.1% | 45.1% | 14.9% | 5.7% | 39.3% | -8.4% | 22.6% | 7.9% | 24.5% | 27.9% | 2.6% | 5.2% | -0.2% | -7.0% | -3.3% | -6.3% | -2.6% | — |
| EPS Growth | -3.5% | -3.5% | 0.5% | -10.6% | 30.1% | 49.8% | -36.6% | 8.7% | 106.0% | -16.7% | -1.6% | 7.0% | 9.6% | 4.7% | 4.2% | 0.7% | 16.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.7%
EPS terminal req.
$4.75
Spread vs growth
-13.2%
5Y implied EPS CAGR
9.8%
EPS terminal req.
$5.75
Spread vs growth
-13.3%
10Y implied EPS CAGR
9.9%
EPS terminal req.
$9.26
Spread vs growth
-13.4%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Unavailable: positive start/end prices are required.