Financial Services / Banks - RegionalLSE
$825.00
+25.00 (+3.03%)
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 34.0/100
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
35/100
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
$135M
P/E
7.8x
↓EV/EBITDA
N/A
•ROE
6.4%
↓Gross Margin
N/A
•Debt/Equity
0.35
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.1%
FCF CAGR
+79.7%
FCF margin
255.2%
FCF / Net income
34.70x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $242.1M · net income $17.8M · FCF $618.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $242.1M | $242.1M | $239.5M | $231.2M | $172.0M |
| Net Income | $17.8M | $17.8M | $24.9M | $35.4M | $16.5M |
| EPS | 1.09 | 1.09 | 1.52 | 2.23 | 1.10 |
| Net Margin | 7.4% | 7.4% | 10.4% | 15.3% | 9.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.35 | 0.35 | 0.35 | 0.36 | 0.21 |
| Cash Flow | |||||
| Free Cash Flow | $618.0M | $618.0M | $341.2M | $609.8M | $106.5M |
| Returns | |||||
| ROE | 6.4% | 6.4% | 9.3% | 14.0% | 7.8% |
| Valuation | |||||
| P/E | 7.80 | 7.80 | 587.66 | 451.08 | 784.67 |
| P/B | 50.19 | 50.19 | 54.71 | 63.22 | 60.95 |
| Growth & Yield | |||||
| Revenue Growth | 1.1% | 1.1% | 3.6% | 34.4% | — |
| EPS Growth | -28.4% | -28.4% | -31.6% | 103.3% | — |
| Dividend Yield | 6.4% | 6.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
306.4%
EPS terminal req.
$73.21
Spread vs growth
-334.7%
5Y implied EPS CAGR
140.9%
EPS terminal req.
$88.58
Spread vs growth
-169.3%
10Y implied EPS CAGR
62.8%
EPS terminal req.
$142.66
Spread vs growth
-91.2%
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
-2.2%
Start / end P/E
610.6x → 779.1x
EPS bridge
1.52 → 1.09
Residual
-7.8%
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.