Financial Services / Banks - RegionalNYSE American
$34.97
+0.03 (+0.09%)
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
32/100
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
$585M
P/E
14.2x
↑EV/EBITDA
N/A
•ROE
6.9%
↑Gross Margin
N/A
•Debt/Equity
0.51
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+14.8%
FCF margin
25.8%
FCF / Net income
1.18x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $168.3M · net income $36.9M · FCF $43.5M
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 | $168.3M | $168.3M | $149.6M | $152.7M | $148.3M | $28.4M | $24.7M | $22.2M | $21.5M | $116.1M | $57.5M | $55.2M | — | — | — | — | — | — |
| Net Income | $36.9M | $36.9M | $43.5M | $44.9M | $43.6M | $39.3M | $33.2M | $22.6M | $32.9M | $26.0M | $14.9M | $15.2M | $14.6M | $13.2M | $12.5M | $11.0M | $10.7M | $10.3M |
| EPS | 2.31 | 2.31 | 2.84 | 2.95 | 2.88 | 2.61 | 2.18 | 1.45 | 2.12 | 1.70 | 1.63 | 1.67 | 1.63 | 1.48 | 1.41 | 1.27 | 1.16 | 1.39 |
| Net Margin | 21.9% | 21.9% | 29.1% | 29.4% | 29.4% | 138.4% | 134.6% | 101.9% | 153.0% | 22.4% | 26.0% | 27.4% | — | — | — | — | — | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.51 | 0.51 | 0.63 | 0.70 | 1.00 | 0.20 | 0.60 | 0.46 | 0.20 | 0.51 | 0.91 | — | — | — | 1.11 | 1.18 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.5M | $43.5M | $45.0M | $40.9M | $53.4M | $57.5M | $13.9M | $20.9M | $32.9M | $37.2M | $12.5M | $18.5M | $13.5M | $19.2M | $17.2M | $12.4M | $11.1M | $4.8M |
| Returns | ||||||||||||||||||
| ROE | 6.9% | 6.9% | 9.5% | 10.4% | 11.1% | 9.3% | 8.2% | 5.7% | 8.9% | 7.3% | 9.5% | 9.8% | 10.0% | 10.9% | 9.7% | 9.3% | 10.3% | 9.1% |
| Valuation | ||||||||||||||||||
| P/E | 14.22 | 14.22 | 10.56 | 9.81 | 11.09 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.05 | 1.05 | 1.00 | 1.02 | 1.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 12.5% | 12.5% | -2.1% | 3.0% | — | 14.9% | 11.3% | 3.1% | -81.5% | 101.9% | 4.1% | — | — | — | — | — | — | — |
| EPS Growth | -18.7% | -18.7% | -3.7% | 2.4% | — | 19.7% | 50.3% | -31.6% | 24.7% | 4.3% | -2.4% | 2.2% | 10.4% | 4.7% | 11.6% | 9.2% | -16.3% | — |
| Dividend Yield | 3.7% | 3.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
10.3%
EPS terminal req.
$3.10
Spread vs growth
-29.0%
5Y implied EPS CAGR
10.2%
EPS terminal req.
$3.75
Spread vs growth
-28.9%
10Y implied EPS CAGR
10.1%
EPS terminal req.
$6.05
Spread vs growth
-28.8%
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
+24.0%
Start / end P/E
10.2x → 15.1x
EPS bridge
2.84 → 2.31
Residual
-8.9%
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.