Financial Services / Banks - RegionalNasdaqGM
$11.44
+1.00 (+9.58%)
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 38.0/100
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
31/100
D
Piotroski
4/9
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
$199M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-4.1%
↓Gross Margin
N/A
•Debt/Equity
0.95
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+7.0%
FCF CAGR
—
FCF margin
34.3%
FCF / Net income
-2.78x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $101.6M · net income $-12.5M · FCF $34.9M
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 | $101.6M | $101.6M | $95.0M | $108.2M | $115.5M | $112.6M | $113.4M | $123.6M | $105.1M | $77.6M | $71.4M | $67.4M | $60.2M | $57.4M | $53.6M | $52.9M | $40.1M | $34.4M |
| Net Income | $-12.5M | $-12.5M | $18.6M | $29.5M | $45.6M | $34.2M | $20.9M | $21.0M | $16.8M | $10.0M | $8.0M | $7.0M | $7.6M | $9.4M | $-2.1M | $6.1M | $14.3M | $3.7M |
| EPS | -0.84 | -0.84 | 0.99 | 1.70 | 2.58 | 1.92 | 1.14 | 1.20 | 1.01 | 0.75 | 0.63 | 0.69 | 0.81 | 1.06 | -0.23 | 0.64 | 2.05 | 0.80 |
| Net Margin | -12.3% | -12.3% | 19.6% | 27.3% | 39.4% | 30.4% | 18.4% | 17.0% | 16.0% | 12.9% | 11.2% | 10.4% | 12.6% | 16.4% | -3.8% | 11.4% | 35.7% | 10.9% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.95 | 0.95 | 1.58 | 1.67 | 1.49 | — | — | — | — | 1.05 | 1.18 | 1.50 | 1.30 | 1.10 | 1.20 | 1.29 | 1.15 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $34.9M | $34.9M | $66.5M | $30.6M | $40.4M | $45.6M | $138.0M | $21.8M | $38.5M | — | — | — | $2.7M | $14.4M | $11.3M | $12.0M | $-3.1M | $-85000.00 |
| Returns | ||||||||||||||||||
| ROE | -4.1% | -4.1% | 5.7% | 9.4% | 15.6% | 12.5% | 8.4% | 8.8% | 8.4% | 5.7% | 6.1% | 5.3% | 7.4% | 9.4% | -2.3% | 6.0% | 14.5% | 7.3% |
| Valuation | ||||||||||||||||||
| P/E | — | — | 11.74 | 7.61 | 7.06 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.65 | 0.65 | 0.61 | 0.70 | 1.08 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 7.0% | 7.0% | -12.2% | -6.4% | — | -0.8% | -8.2% | 17.6% | 35.5% | 8.7% | 5.9% | 11.9% | 4.9% | 6.9% | 1.5% | 31.9% | 16.6% | — |
| EPS Growth | -184.8% | -184.8% | -41.8% | -34.1% | — | 68.4% | -5.0% | 18.8% | 34.7% | 19.0% | -8.7% | -14.8% | -23.6% | 560.9% | -135.9% | -68.8% | 156.2% | — |
| Dividend Yield | 4.6% | 4.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+45.8%
Start / end P/E
n/dx → n/dx
EPS bridge
0.99 → -0.84
Residual
+41.2%
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.