Financial Services / Banks - RegionalNasdaqGS
$30.72
-0.08 (-0.26%)
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 30.0/100
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
39/100
D
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
$335M
P/E
12.7x
↑EV/EBITDA
N/A
•ROE
7.1%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+14.6%
FCF CAGR
—
FCF margin
29.7%
FCF / Net income
1.26x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $101.4M · net income $23.9M · FCF $30.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $101.4M | $101.4M | $97.1M | $104.4M | $100.9M | $81.6M | $87.2M | $76.5M | $56.9M | $44.3M | $29.6M |
| Net Income | $23.9M | $23.9M | $23.6M | $27.4M | $23.7M | $20.7M | $13.7M | $17.3M | $14.5M | $5.3M | $5.9M |
| EPS | 2.18 | 2.18 | 2.10 | 2.27 | 2.06 | 1.90 | 1.15 | 1.47 | 1.50 | 0.81 | 1.09 |
| Net Margin | 23.6% | 23.6% | 24.3% | 26.3% | 23.5% | 25.4% | 15.7% | 22.6% | 25.5% | 11.9% | 20.0% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.27 | 0.28 | 0.28 | — | — | — | 0.00 | 0.05 | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $30.1M | $30.1M | $28.7M | $28.7M | $38.8M | $9.1M | $6.8M | $5.6M | — | — | — |
| Returns | |||||||||||
| ROE | 7.1% | 7.1% | 7.3% | 8.8% | 7.5% | 7.9% | 5.4% | 6.8% | 7.2% | 4.4% | 7.6% |
| Valuation | |||||||||||
| P/E | 12.69 | 12.69 | 12.54 | 9.89 | 9.22 | — | — | — | — | — | — |
| P/B | 1.00 | 1.00 | 0.91 | 0.87 | 0.79 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 4.4% | 4.4% | -7.0% | 3.5% | — | -6.4% | 13.9% | 34.6% | 28.5% | 49.4% | — |
| EPS Growth | 3.8% | 3.8% | -7.5% | 10.2% | — | 65.2% | -21.8% | -2.0% | 85.2% | -25.7% | — |
| Dividend Yield | 3.9% | 3.9% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.7%
EPS terminal req.
$2.73
Spread vs growth
-3.9%
5Y implied EPS CAGR
8.6%
EPS terminal req.
$3.30
Spread vs growth
-4.8%
10Y implied EPS CAGR
9.3%
EPS terminal req.
$5.31
Spread vs growth
-5.5%
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
+20.3%
Start / end P/E
12.6x → 14.1x
EPS bridge
2.10 → 2.18
Residual
+0.5%
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.