Financial Services / Banks - RegionalNasdaqCM
$22.50
+0.03 (+0.13%)
Book/ROE base 3Y
$11.13
-20.9% CAGR · P/B 0.5x
Book/ROE base 5Y
$11.99
-11.8% base · -8.1% expected
Precio de entrada
$5.70
MOS 16% · confianza 92%
Book/ROE escenarios
audited · book/share $19.71 · quality 24.0/100
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
51/100
C
Piotroski
7/9
balance/quality
Valuation
0/100
-55.3% upside
5Y CAGR
-8.1%
18/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$137M
P/E
17.4x
↑EV/EBITDA
N/A
•ROE
6.6%
↑Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2019–2025 · 6 años de histórico normalizado
Revenue CAGR
+14.1%
FCF CAGR
+44.0%
FCF margin
33.9%
FCF / Net income
1.35x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $33.1M · net income $8.3M · FCF $11.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | $33.1M | $33.1M | $31.2M | $29.7M | $32.2M | $32.5M | $30.6M | $15.0M |
| Net Income | $8.3M | $8.3M | $5.4M | $6.4M | $7.1M | $7.6M | $3.1M | $355000.00 |
| EPS | 1.29 | 1.29 | 0.83 | 0.98 | 1.06 | 1.09 | 0.41 | — |
| Net Margin | 25.2% | 25.2% | 17.4% | 21.7% | 22.2% | 23.3% | 10.1% | 2.4% |
| Balance Sheet | ||||||||
| Debt/Equity | 0.43 | 0.43 | 0.46 | 0.33 | 0.09 | — | — | — |
| Cash Flow | ||||||||
| Free Cash Flow | $11.2M | $11.2M | $6.4M | $7.3M | $6.2M | $11.0M | $920000.00 | $1.3M |
| Returns | ||||||||
| ROE | 6.6% | 6.6% | 4.2% | 5.3% | 6.1% | 6.3% | 3.8% | 0.5% |
| Valuation | ||||||||
| P/E | 17.41 | 17.41 | 27.06 | 22.92 | 21.19 | 20.61 | 54.78 | — |
| P/B | 1.14 | 1.14 | 1.14 | 1.21 | 1.30 | 1.29 | — | — |
| Growth & Yield | ||||||||
| Revenue Growth | 6.0% | 6.0% | 5.1% | -7.8% | -0.9% | 5.9% | 104.3% | — |
| EPS Growth | 55.4% | 55.4% | -15.3% | -7.5% | -2.8% | 165.9% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
15.7%
EPS terminal req.
$2.00
Spread vs growth
39.8%
5Y implied EPS CAGR
13.4%
EPS terminal req.
$2.42
Spread vs growth
42.1%
10Y implied EPS CAGR
11.7%
EPS terminal req.
$3.89
Spread vs growth
43.8%
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.
Total return
+24.3%
Start / end P/E
21.8x → 17.4x
EPS bridge
0.83 → 1.29
Residual
-11.1%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.