Financial Services / Banks - RegionalSwiss
$90.00
-0.50 (-0.56%)
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 16.0/100
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
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$269M
P/E
22.0x
↑EV/EBITDA
N/A
•ROE
3.6%
↓Gross Margin
N/A
•Debt/Equity
3.77
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.7%
FCF CAGR
-23.6%
FCF margin
45.2%
FCF / Net income
2.64x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $71.7M · net income $12.3M · FCF $32.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $71.7M | $71.7M | $73.1M | $69.5M | $52.9M |
| Net Income | $12.3M | $12.3M | $13.5M | $13.2M | $10.2M |
| EPS | 4.10 | 4.10 | 4.50 | 4.42 | 3.41 |
| Net Margin | 17.1% | 17.1% | 18.4% | 19.0% | 19.3% |
| Balance Sheet | |||||
| Debt/Equity | 3.77 | 3.77 | 3.80 | 3.72 | 3.77 |
| Cash Flow | |||||
| Free Cash Flow | $32.4M | $32.4M | $73.8M | $-48.8M | $72.8M |
| Returns | |||||
| ROE | 3.6% | 3.6% | 4.2% | 4.3% | 3.6% |
| Valuation | |||||
| P/E | 21.95 | 21.95 | 12.78 | 11.27 | 15.98 |
| P/B | 0.79 | 0.79 | 0.53 | 0.49 | 0.57 |
| Growth & Yield | |||||
| Revenue Growth | -1.9% | -1.9% | 5.1% | 31.4% | — |
| EPS Growth | -8.9% | -8.9% | 1.8% | 29.6% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
24.9%
EPS terminal req.
$7.99
Spread vs growth
-33.8%
5Y implied EPS CAGR
18.7%
EPS terminal req.
$9.66
Spread vs growth
-27.6%
10Y implied EPS CAGR
14.3%
EPS terminal req.
$15.56
Spread vs growth
-23.2%
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
+46.6%
Start / end P/E
13.6x → 21.5x
EPS bridge
4.50 → 4.10
Residual
-5.2%
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.