Financial Services / Banks - RegionalNYSE
$56.02
+0.18 (+0.32%)
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 55.0/100
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
46/100
C
Piotroski
7/9
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
$2.1B
P/E
9.3x
↓EV/EBITDA
N/A
•ROE
13.5%
↑Gross Margin
N/A
•Debt/Equity
2.41
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+29.3%
FCF CAGR
—
FCF margin
246.2%
FCF / Net income
3.43x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $315.8M · net income $226.9M · FCF $777.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $315.8M | $315.8M | $284.8M | $237.3M | $146.1M |
| Net Income | $226.9M | $226.9M | $205.9M | $166.2M | $92.0M |
| EPS | 6.11 | 6.11 | 5.60 | 4.55 | 2.54 |
| Net Margin | 71.9% | 71.9% | 72.3% | 70.0% | 63.0% |
| Balance Sheet | |||||
| Debt/Equity | 2.41 | 2.41 | 3.30 | 3.63 | 4.15 |
| Cash Flow | |||||
| Free Cash Flow | $777.4M | $777.4M | $-126.6M | $1.06B | $-772.4M |
| Returns | |||||
| ROE | 13.5% | 13.5% | 15.4% | 13.8% | 8.6% |
| Valuation | |||||
| P/E | 9.31 | 9.31 | 6.55 | 5.78 | 6.34 |
| P/B | 1.24 | 1.24 | 1.01 | 0.80 | 0.55 |
| Growth & Yield | |||||
| Revenue Growth | 10.9% | 10.9% | 20.0% | 62.4% | — |
| EPS Growth | 9.1% | 9.1% | 23.1% | 79.1% | — |
| Dividend Yield | 4.7% | 4.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.6%
EPS terminal req.
$4.97
Spread vs growth
15.8%
5Y implied EPS CAGR
-0.3%
EPS terminal req.
$6.01
Spread vs growth
9.4%
10Y implied EPS CAGR
4.7%
EPS terminal req.
$9.69
Spread vs growth
4.4%
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
+41.3%
Start / end P/E
7.3x → 9.2x
EPS bridge
5.60 → 6.11
Residual
+2.3%
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.