Financial Services / Banks - RegionalOTC Markets OTCID
$18.30
+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 46.0/100
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
43/100
C
Piotroski
5/9
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
$116M
P/E
8.9x
↓EV/EBITDA
N/A
•ROE
12.8%
↑Gross Margin
N/A
•Debt/Equity
0.56
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.6%
FCF CAGR
-27.3%
FCF margin
21.6%
FCF / Net income
0.53x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $33.4M · net income $13.6M · FCF $7.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $33.4M | $33.4M | $25.7M | $24.7M | $25.3M |
| Net Income | $13.6M | $13.6M | $9.1M | $9.4M | $10.3M |
| EPS | — | — | 1.38 | 1.42 | 1.57 |
| Net Margin | 40.9% | 40.9% | 35.5% | 38.2% | 40.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.56 | 0.56 | 0.81 | 1.21 | 1.49 |
| Cash Flow | |||||
| Free Cash Flow | $7.2M | $7.2M | $8.7M | $5.4M | $18.7M |
| Returns | |||||
| ROE | 12.8% | 12.8% | 9.5% | 10.5% | 12.6% |
| Valuation | |||||
| P/E | 8.88 | 8.88 | 11.96 | 12.57 | 11.46 |
| P/B | 1.08 | 1.08 | 1.13 | 1.32 | 1.44 |
| Growth & Yield | |||||
| Revenue Growth | 29.6% | 29.6% | 4.2% | -2.5% | — |
| EPS Growth | — | — | -2.8% | -9.6% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+27.3%
Start / end P/E
n/dx → n/dx
EPS bridge
1.38 → n/d
Residual
+24.0%
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.