Financial Services / Banks - RegionalNasdaqCM
$28.50
-0.24 (-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 37.0/100
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
54/100
C
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
$252M
P/E
11.8x
↓EV/EBITDA
N/A
•ROE
9.2%
↑Gross Margin
N/A
•Debt/Equity
0.10
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+3.4%
FCF CAGR
+3.7%
FCF margin
31.0%
FCF / Net income
1.09x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $66.8M · net income $19.0M · FCF $20.7M
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 | $66.8M | $66.8M | $54.8M | $53.8M | $62.9M | $60.5M | $62.9M | $56.2M | $49.7M | $45.8M | $44.0M | $43.2M | $41.0M | $38.4M | $38.1M | $37.6M | $37.3M | $38.9M |
| Net Income | $19.0M | $19.0M | $10.2M | $10.8M | $19.3M | $23.9M | $18.9M | $17.2M | $17.0M | $13.7M | $15.7M | $15.0M | $15.3M | $14.0M | $14.2M | $13.9M | $13.0M | $9.0M |
| EPS | 2.14 | 2.14 | 1.14 | 1.20 | 2.14 | 2.62 | 2.06 | 1.86 | 1.83 | 1.47 | 1.69 | 1.61 | 1.64 | 1.50 | 1.52 | 1.48 | 1.37 | 0.95 |
| Net Margin | 28.5% | 28.5% | 18.6% | 20.1% | 30.7% | 39.5% | 29.9% | 30.6% | 34.2% | 29.9% | 35.7% | 34.8% | 37.2% | 36.3% | 37.3% | 37.0% | 34.8% | 23.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.10 | 0.10 | 0.27 | 0.67 | 0.26 | — | — | — | — | 0.08 | 0.08 | 0.08 | 0.15 | 0.14 | 0.14 | 0.15 | 0.16 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $20.7M | $20.7M | $14.0M | $14.3M | $18.4M | $28.6M | $28.5M | $19.4M | $20.1M | $18.3M | $21.1M | $20.4M | $17.9M | $23.1M | $21.1M | $20.7M | $16.5M | $11.6M |
| Returns | ||||||||||||||||||
| ROE | 9.2% | 9.2% | 5.8% | 6.5% | 12.9% | 11.5% | 9.0% | 9.2% | 9.8% | 8.0% | 9.5% | 9.3% | 9.9% | 9.8% | 9.8% | 10.3% | 10.7% | 8.0% |
| Valuation | ||||||||||||||||||
| P/E | 11.78 | 11.78 | 14.51 | 17.23 | 11.14 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.22 | 1.22 | 0.85 | 1.12 | 1.44 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 21.9% | 21.9% | 1.8% | -14.4% | — | -3.9% | 12.0% | 13.0% | 8.6% | 4.0% | 2.1% | 5.3% | 6.6% | 1.0% | 1.2% | 0.9% | -4.1% | — |
| EPS Growth | 87.7% | 87.7% | -5.0% | -43.9% | — | 27.2% | 10.8% | 1.6% | 24.5% | -13.0% | 5.0% | -1.8% | 9.3% | -1.3% | 2.7% | 8.0% | 44.2% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.7%
EPS terminal req.
$2.53
Spread vs growth
82.0%
5Y implied EPS CAGR
7.4%
EPS terminal req.
$3.06
Spread vs growth
80.3%
10Y implied EPS CAGR
8.7%
EPS terminal req.
$4.93
Spread vs growth
79.0%
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
+67.1%
Start / end P/E
15.3x → 13.3x
EPS bridge
1.14 → 2.14
Residual
-11.2%
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.