Financial Services / Banks - RegionalHelsinki
$44.20
-0.80 (-1.78%)
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 57.0/100
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
3/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$681M
P/E
12.7x
↑EV/EBITDA
N/A
•ROE
14.1%
↑Gross Margin
N/A
•Debt/Equity
0.50
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
—
FCF margin
-5.9%
FCF / Net income
-0.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $218.8M · net income $54.6M · FCF $-12.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $218.8M | $218.8M | $215.5M | $202.8M | $183.6M |
| Net Income | $54.6M | $54.6M | $52.3M | $48.7M | $36.8M |
| EPS | 3.53 | 3.53 | 3.39 | 3.17 | 2.37 |
| Net Margin | 24.9% | 24.9% | 24.2% | 24.0% | 20.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.50 | 0.50 | 0.91 | 0.94 | 0.69 |
| Cash Flow | |||||
| Free Cash Flow | $-12.9M | $-12.9M | $-7.2M | $52.1M | $-486.4M |
| Returns | |||||
| ROE | 14.1% | 14.1% | 15.6% | 14.5% | 11.6% |
| Valuation | |||||
| P/E | 12.66 | 12.66 | 10.41 | 9.91 | 15.40 |
| P/B | 1.77 | 1.77 | 1.62 | 1.44 | 1.79 |
| Growth & Yield | |||||
| Revenue Growth | 1.5% | 1.5% | 6.3% | 10.4% | — |
| EPS Growth | 4.1% | 4.1% | 6.9% | 33.8% | — |
| Dividend Yield | 6.2% | 6.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.6%
EPS terminal req.
$3.92
Spread vs growth
0.6%
5Y implied EPS CAGR
6.1%
EPS terminal req.
$4.75
Spread vs growth
-2.0%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$7.64
Spread vs growth
-3.9%
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
+20.2%
Start / end P/E
11.4x → 12.5x
EPS bridge
3.39 → 3.53
Residual
+0.4%
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.