Financial Services / Banks - RegionalNasdaqGM
$25.48
+0.48 (+1.92%)
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 32.0/100
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
40/100
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
$89M
P/E
11.2x
↓EV/EBITDA
N/A
•ROE
7.9%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
-0.7%
FCF CAGR
—
FCF margin
33.1%
FCF / Net income
1.50x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $32.8M · net income $7.3M · FCF $10.9M
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 | $32.8M | $32.8M | $30.6M | $23.3M | $30.4M | $26.5M | $28.2M | $30.2M | $29.2M | $28.1M | $26.8M | $27.2M | $26.8M | $27.5M | $29.1M | $30.7M | $33.5M | $36.8M |
| Net Income | $7.3M | $7.3M | $6.4M | $1.4M | $10.3M | $8.0M | $7.5M | $9.7M | $8.8M | $7.8M | $8.2M | $7.9M | $7.4M | $7.1M | $6.8M | $5.5M | $5.3M | $2.4M |
| EPS | 2.08 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 22.1% | 22.1% | 20.9% | 6.0% | 34.0% | 30.3% | 26.4% | 32.2% | 30.2% | 27.9% | 30.4% | 28.9% | 27.8% | 25.9% | 23.3% | 18.0% | 16.0% | 6.5% |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $10.9M | $10.9M | $8.7M | $11.5M | $3.9M | $-7.9M | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 7.9% | 7.9% | 8.2% | 1.8% | 15.2% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Valuation | ||||||||||||||||||
| P/E | 11.22 | 11.22 | 12.66 | 53.75 | 7.80 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.97 | 0.97 | 1.03 | 0.98 | 1.19 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 7.2% | 7.2% | 31.1% | -23.3% | — | -6.0% | -6.8% | 3.4% | 4.0% | 4.9% | -1.2% | 1.3% | -2.3% | -5.5% | -5.3% | -8.3% | -9.1% | — |
| EPS Growth | 13.7% | 13.7% | 357.5% | -86.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
2.8%
EPS terminal req.
$2.26
Spread vs growth
10.8%
5Y implied EPS CAGR
5.6%
EPS terminal req.
$2.74
Spread vs growth
8.0%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$4.41
Spread vs growth
5.9%
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
+25.9%
Start / end P/E
11.5x → 12.2x
EPS bridge
1.83 → 2.08
Residual
+0.9%
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.