Financial Services / Banks - RegionalNasdaqCM
$28.47
-0.11 (-0.38%)
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 14.0/100
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
46/100
C
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
$715M
P/E
27.1x
↑EV/EBITDA
N/A
•ROE
3.1%
↓Gross Margin
N/A
•Debt/Equity
0.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+1.9%
FCF CAGR
-16.5%
FCF margin
26.7%
FCF / Net income
3.37x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $220.7M · net income $17.4M · FCF $58.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $220.7M | $220.7M | $223.8M | $166.2M | $208.7M |
| Net Income | $17.4M | $17.4M | $17.8M | $11.7M | $40.0M |
| EPS | 0.68 | 0.68 | 0.98 | 0.58 | 2.10 |
| Net Margin | 7.9% | 7.9% | 7.9% | 7.0% | 19.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.72 | 0.72 | 0.64 | 1.03 | 1.24 |
| Cash Flow | |||||
| Free Cash Flow | $58.8M | $58.8M | $9.4M | $23.7M | $101.2M |
| Returns | |||||
| ROE | 3.1% | 3.1% | 3.6% | 3.2% | 11.2% |
| Valuation | |||||
| P/E | 27.11 | 27.11 | 19.62 | 37.03 | 10.94 |
| P/B | 1.30 | 1.30 | 0.83 | 1.17 | 1.22 |
| Growth & Yield | |||||
| Revenue Growth | -1.4% | -1.4% | 34.6% | -20.4% | — |
| EPS Growth | -30.6% | -30.6% | 69.0% | -72.4% | — |
| Dividend Yield | 3.0% | 3.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
54.9%
EPS terminal req.
$2.53
Spread vs growth
-85.5%
5Y implied EPS CAGR
35.1%
EPS terminal req.
$3.06
Spread vs growth
-65.7%
10Y implied EPS CAGR
21.9%
EPS terminal req.
$4.92
Spread vs growth
-52.5%
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
+38.5%
Start / end P/E
21.4x → 41.9x
EPS bridge
0.98 → 0.68
Residual
-29.2%
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.