Financial Services / Banks - RegionalNasdaqGS
$36.39
-0.31 (-0.84%)
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 41.0/100
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
51/100
C
Piotroski
6/9
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
$601M
P/E
11.8x
↓EV/EBITDA
N/A
•ROE
10.2%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+4.9%
FCF margin
21.9%
FCF / Net income
0.82x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $165.6M · net income $44.0M · FCF $36.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $165.6M | $165.6M | $139.8M | $133.9M | $149.2M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Income | $44.0M | $44.0M | $29.7M | $30.1M | $48.8M | $49.9M | $40.8M | $37.5M | $36.3M | $29.3M | $26.5M | $24.7M | $23.4M | $21.8M | $22.2M | $21.9M | $21.9M | $21.8M |
| EPS | 2.65 | 2.65 | 1.77 | 1.77 | 2.86 | 2.92 | 2.49 | 2.29 | 2.29 | 1.92 | 1.75 | 1.65 | 1.56 | 1.51 | 1.54 | 1.53 | 1.54 | 1.54 |
| Net Margin | 26.5% | 26.5% | 21.3% | 22.5% | 32.7% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.08 | 0.14 | 0.23 | 0.12 | 0.13 | 0.10 | 0.17 | 0.22 | 0.24 | 0.26 | 0.05 | 0.10 | 0.17 | 0.24 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $36.2M | $36.2M | $28.9M | $13.5M | $45.5M | $61.1M | $37.2M | $36.2M | $36.9M | $35.2M | $33.3M | $27.3M | $29.2M | $34.4M | $24.4M | $30.7M | $9.1M | $16.8M |
| Returns | ||||||||||||||||||
| ROE | 10.2% | 10.2% | 7.4% | 7.9% | 13.8% | 13.4% | 12.2% | 12.4% | 13.5% | 11.7% | 11.4% | 11.5% | 11.6% | 11.3% | 12.6% | 13.2% | 14.4% | 15.5% |
| Valuation | ||||||||||||||||||
| P/E | 11.78 | 11.78 | 15.65 | 15.47 | 11.73 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.39 | 1.39 | 1.16 | 1.23 | 1.62 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 18.4% | 18.4% | 4.4% | -10.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EPS Growth | 49.7% | 49.7% | 0.0% | -38.2% | — | 17.3% | 8.7% | 0.0% | 19.2% | 9.6% | 6.4% | 5.3% | 3.5% | -2.0% | 0.9% | -0.8% | -0.2% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.8%
EPS terminal req.
$3.23
Spread vs growth
42.9%
5Y implied EPS CAGR
8.1%
EPS terminal req.
$3.91
Spread vs growth
41.6%
10Y implied EPS CAGR
9.0%
EPS terminal req.
$6.29
Spread vs growth
40.7%
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
+44.6%
Start / end P/E
14.5x → 13.7x
EPS bridge
1.77 → 2.65
Residual
-2.8%
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.