Financial Services / Banks - RegionalNasdaqGS
$27.96
-0.52 (-1.83%)
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 39.0/100
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
51/100
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
$914M
P/E
9.9x
↓EV/EBITDA
N/A
•ROE
9.8%
↑Gross Margin
N/A
•Debt/Equity
0.59
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+22.2%
FCF CAGR
+22.7%
FCF margin
28.8%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $319.8M · net income $87.9M · FCF $92.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $319.8M | $319.8M | $270.4M | $247.4M | $227.5M | $170.4M | $149.8M | $103.5M | $76.2M | $51.6M | $43.4M | $38.6M | $27.5M | $29.0M |
| Net Income | $87.9M | $87.9M | $65.1M | $71.0M | $54.3M | $52.1M | $30.0M | $23.8M | $14.1M | $4.8M | $5.1M | $4.1M | $4.0M | $4.8M |
| EPS | 2.79 | 2.79 | 2.26 | 2.59 | 2.32 | 2.53 | 1.64 | 1.74 | 1.22 | 0.61 | 0.70 | 0.59 | 0.72 | 0.87 |
| Net Margin | 27.5% | 27.5% | 24.1% | 28.7% | 23.8% | 30.6% | 20.0% | 23.0% | 18.5% | 9.4% | 11.8% | 10.6% | 14.7% | 16.5% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 0.59 | 0.59 | 0.58 | 0.96 | 0.91 | — | — | — | — | 0.02 | 0.03 | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $92.0M | $92.0M | $59.8M | $79.3M | $61.8M | $52.5M | $26.4M | $20.5M | $18.4M | $7.5M | $6.8M | $2.4M | $6.7M | $7.9M |
| Returns | ||||||||||||||
| ROE | 9.8% | 9.8% | 8.1% | 11.0% | 9.3% | 12.0% | 7.3% | 8.3% | 5.4% | 2.7% | 4.5% | 3.6% | 5.1% | 6.7% |
| Valuation | ||||||||||||||
| P/E | 9.91 | 9.91 | 11.08 | 9.14 | 9.16 | — | — | — | — | — | — | — | — | — |
| P/B | 0.92 | 0.92 | 0.83 | 0.93 | 0.84 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 18.3% | 18.3% | 9.3% | 8.7% | — | 13.8% | 44.7% | 35.8% | 47.7% | 18.8% | 12.4% | 40.6% | -5.2% | — |
| EPS Growth | 23.5% | 23.5% | -12.7% | 11.6% | — | 54.3% | -5.7% | 42.6% | 100.0% | -12.9% | 18.6% | -18.1% | -17.2% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.8%
EPS terminal req.
$2.48
Spread vs growth
27.3%
5Y implied EPS CAGR
1.5%
EPS terminal req.
$3.00
Spread vs growth
22.0%
10Y implied EPS CAGR
5.7%
EPS terminal req.
$4.83
Spread vs growth
17.8%
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
+19.6%
Start / end P/E
10.5x → 10.0x
EPS bridge
2.26 → 2.79
Residual
-1.1%
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.