Financial Services / Banks - RegionalOTC Markets OTCID
$38.62
+0.07 (+0.18%)
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 62.0/100
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
41/100
C
Piotroski
5/9
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
$172M
P/E
8.4x
↓EV/EBITDA
N/A
•ROE
15.6%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.9%
FCF CAGR
+15.0%
FCF margin
33.4%
FCF / Net income
1.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $66.3M · net income $19.8M · FCF $22.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $66.3M | $66.3M | $57.3M | $51.2M | $44.9M |
| Net Income | $19.8M | $19.8M | $15.9M | $15.4M | $13.2M |
| EPS | — | — | 3.55 | 3.41 | 2.93 |
| Net Margin | 29.9% | 29.9% | 27.7% | 30.0% | 29.5% |
| Balance Sheet | |||||
| Debt/Equity | — | — | 0.01 | 0.02 | 0.03 |
| Cash Flow | |||||
| Free Cash Flow | $22.2M | $22.2M | $13.8M | $11.6M | $14.6M |
| Returns | |||||
| ROE | 15.6% | 15.6% | 14.5% | 15.6% | 15.5% |
| Valuation | |||||
| P/E | 8.36 | 8.36 | 7.32 | 6.89 | 7.68 |
| P/B | 1.35 | 1.35 | 1.06 | 1.07 | 1.19 |
| Growth & Yield | |||||
| Revenue Growth | 15.8% | 15.8% | 12.0% | 14.0% | — |
| EPS Growth | — | — | 4.1% | 16.4% | — |
| Dividend Yield | 2.5% | 2.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+43.0%
Start / end P/E
n/dx → n/dx
EPS bridge
3.55 → n/d
Residual
+40.4%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.