Financial Services / Banks - RegionalNasdaqGM
$40.99
-0.49 (-1.18%)
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 60.0/100
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
47/100
C
Piotroski
4/9
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
$1.2B
P/E
11.9x
↓EV/EBITDA
N/A
•ROE
13.1%
↑Gross Margin
N/A
•Debt/Equity
0.10
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+10.5%
FCF CAGR
+24.1%
FCF margin
40.7%
FCF / Net income
1.29x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $330.5M · net income $104.4M · FCF $134.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $330.5M | $330.5M | $316.5M | $285.7M | $266.5M | $180.5M | $190.5M | $186.0M | $164.0M |
| Net Income | $104.4M | $104.4M | $106.4M | $88.0M | $81.5M | $52.9M | $46.2M | $47.2M | $44.7M |
| EPS | — | — | 3.44 | 2.86 | 2.61 | 1.68 | 1.48 | 1.47 | 1.46 |
| Net Margin | 31.6% | 31.6% | 33.6% | 30.8% | 30.6% | 29.3% | 24.2% | 25.4% | 27.2% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.10 | 0.10 | 0.47 | 0.57 | 1.37 | — | 0.00 | 0.15 | — |
| Cash Flow | |||||||||
| Free Cash Flow | $134.4M | $134.4M | $122.3M | $115.7M | $145.7M | $68.1M | $64.2M | $82.7M | $29.6M |
| Returns | |||||||||
| ROE | 13.1% | 13.1% | 15.0% | 15.0% | 16.0% | 9.4% | 8.6% | 9.6% | — |
| Valuation | |||||||||
| P/E | 11.92 | 11.92 | 9.76 | 9.13 | 9.25 | — | — | — | — |
| P/B | 1.54 | 1.54 | 1.47 | 1.37 | 1.48 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 4.4% | 4.4% | 10.8% | 7.2% | — | -5.2% | 2.4% | 13.4% | — |
| EPS Growth | — | — | 20.3% | 9.6% | — | 13.5% | 0.7% | 0.7% | — |
| Dividend Yield | 1.5% | 1.5% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+37.1%
Start / end P/E
n/dx → n/dx
EPS bridge
3.44 → n/d
Residual
+35.6%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.