Financial Services / Banks - RegionalNasdaqGS
$25.58
+0.16 (+0.63%)
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 18.0/100
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
2/9
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
$414M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-9.0%
↓Gross Margin
N/A
•Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
-4.4%
FCF CAGR
—
FCF margin
128.9%
FCF / Net income
-1.04x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $28.9M · net income $-35.7M · FCF $37.3M
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 | $28.9M | $28.9M | $69.8M | $105.0M | $138.1M | $108.4M | $99.6M | $100.4M | $95.1M | $76.6M | $75.4M | $69.4M | $72.8M | $60.6M | $65.8M | $69.1M | $61.4M | $59.7M |
| Net Income | $-35.7M | $-35.7M | $-8.4M | $19.9M | $46.6M | $33.2M | $30.2M | $34.2M | $32.6M | $16.0M | $23.1M | $18.4M | $19.8M | $14.3M | $17.8M | $15.6M | $13.6M | $12.8M |
| EPS | -2.24 | -2.24 | -0.52 | 1.24 | 2.92 | 2.30 | 2.22 | 2.48 | 2.33 | 1.27 | 1.89 | 1.52 | 1.65 | 1.28 | 1.64 | 1.45 | 1.27 | 1.09 |
| Net Margin | -123.4% | -123.4% | -12.1% | 19.0% | 33.7% | 30.7% | 30.4% | 34.1% | 34.3% | 20.9% | 30.7% | 26.6% | 27.2% | 23.6% | 27.1% | 22.5% | 22.1% | 21.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.18 | 0.18 | 0.05 | 0.11 | 0.34 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $37.3M | $37.3M | $27.8M | $33.9M | $53.0M | $44.2M | $39.9M | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | -9.0% | -9.0% | -1.9% | 4.5% | 11.3% | 7.4% | 8.4% | 10.2% | 10.3% | 5.4% | 10.0% | 8.6% | 9.9% | 7.9% | 11.7% | 11.5% | 11.1% | 11.7% |
| Valuation | ||||||||||||||||||
| P/E | — | — | — | 17.44 | 11.21 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.03 | 1.03 | 0.87 | 0.79 | 1.27 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -58.6% | -58.6% | -33.5% | -24.0% | — | 8.7% | -0.8% | 5.6% | 24.1% | 1.5% | 8.6% | -4.6% | 20.2% | -7.9% | -4.8% | 12.6% | 2.7% | — |
| EPS Growth | -330.8% | -330.8% | -141.9% | -57.5% | — | 3.6% | -10.5% | 6.4% | 83.5% | -32.8% | 24.3% | -7.6% | 28.0% | -21.6% | 13.5% | 13.3% | 16.4% | — |
| Dividend Yield | 3.9% | 3.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+23.6%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.52 → -2.24
Residual
+19.6%
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.