Financial Services / Banks - RegionalNYSE
$22.07
-0.65 (-2.86%)
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 22.0/100
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
39/100
D
Piotroski
7/9
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
$869M
P/E
15.5x
↑EV/EBITDA
N/A
•ROE
5.6%
↓Gross Margin
N/A
•Debt/Equity
0.98
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+6.5%
FCF CAGR
+7.6%
FCF margin
30.8%
FCF / Net income
2.47x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $419.3M · net income $52.4M · FCF $129.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $419.3M | $419.3M | $305.3M | $328.9M | $315.0M | $247.8M | $260.6M | $313.0M | $309.4M | $273.3M | $238.8M |
| Net Income | $52.4M | $52.4M | $-15.8M | $32.5M | $63.3M | $112.9M | $-1.7M | $51.3M | $45.8M | $43.1M | $23.6M |
| EPS | 1.26 | 1.26 | -0.44 | 0.96 | 1.85 | 3.01 | -0.04 | 1.20 | 1.08 | 1.01 | 0.55 |
| Net Margin | 12.5% | 12.5% | -5.2% | 9.9% | 20.1% | 45.6% | -0.7% | 16.4% | 14.8% | 15.8% | 9.9% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.98 | 0.98 | 1.13 | 1.25 | 1.69 | — | — | — | — | — | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $129.2M | $129.2M | $74.8M | $15.8M | $-59.8M | $60.9M | $51.7M | $64.1M | $52.1M | $64.7M | $66.7M |
| Returns | |||||||||||
| ROE | 5.6% | 5.6% | -1.8% | 4.4% | 8.9% | 13.6% | -0.2% | 6.1% | 6.1% | 5.7% | 3.3% |
| Valuation | |||||||||||
| P/E | 15.54 | 15.54 | — | 25.35 | 14.72 | — | — | — | — | — | — |
| P/B | 0.98 | 0.98 | 0.87 | 1.11 | 1.31 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 37.4% | 37.4% | -7.2% | 4.4% | — | -4.9% | -16.7% | 1.2% | 13.2% | 14.4% | — |
| EPS Growth | 386.4% | 386.4% | -145.8% | -48.1% | — | 7625.0% | -103.3% | 11.1% | 6.9% | 83.6% | — |
| Dividend Yield | 1.6% | 1.6% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
15.8%
EPS terminal req.
$1.96
Spread vs growth
370.5%
5Y implied EPS CAGR
13.5%
EPS terminal req.
$2.37
Spread vs growth
372.9%
10Y implied EPS CAGR
11.7%
EPS terminal req.
$3.82
Spread vs growth
374.6%
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
+27.5%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.44 → 1.26
Residual
+25.9%
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.