Financial Services / Banks - RegionalNasdaqCM
$22.75
+0.09 (+0.40%)
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 49.0/100
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
52/100
C
Piotroski
7/9
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
$103M
P/E
9.4x
↓EV/EBITDA
N/A
•ROE
11.3%
↑Gross Margin
N/A
•Debt/Equity
0.11
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+5.4%
FCF CAGR
+2.3%
FCF margin
22.0%
FCF / Net income
1.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $47.8M · net income $9.0M · FCF $10.5M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $47.8M | $47.8M | $43.6M | $41.8M | $42.0M | $29.2M | $29.7M | $29.8M | $27.0M | $23.7M | $21.6M | $20.3M | $18.7M | $18.4M | $18.8M | $19.5M | $21.6M |
| Net Income | $9.0M | $9.0M | $7.9M | $8.7M | $9.0M | $7.6M | $5.0M | $5.6M | $5.3M | $2.9M | $3.3M | $3.7M | $3.4M | $3.1M | $2.1M | $600000.00 | $1.8M |
| EPS | 1.99 | 1.99 | 1.75 | 1.91 | 1.91 | 1.60 | 1.04 | 1.16 | 1.10 | 0.61 | 0.68 | 0.97 | 0.92 | 0.83 | 0.58 | 0.16 | — |
| Net Margin | 18.9% | 18.9% | 18.2% | 20.8% | 21.3% | 26.0% | 16.8% | 18.8% | 19.7% | 12.3% | 15.2% | 18.2% | 18.2% | 16.6% | 11.4% | 3.1% | 8.4% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.11 | 0.11 | 0.30 | 0.33 | 0.41 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $10.5M | $10.5M | $6.0M | $7.9M | $8.1M | $13.4M | $3.4M | $1.2M | $6.3M | $4.8M | $1.1M | — | — | — | $4.6M | $6.4M | $7.5M |
| Returns | |||||||||||||||||
| ROE | 11.3% | 11.3% | 12.2% | 14.5% | 17.8% | 10.9% | 7.5% | 9.1% | 9.6% | 5.7% | 6.6% | 7.7% | 9.8% | 10.3% | 7.2% | 2.2% | 7.1% |
| Valuation | |||||||||||||||||
| P/E | 9.44 | 9.44 | 8.60 | 6.32 | 6.28 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.29 | 1.29 | 1.05 | 0.92 | 1.12 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 9.6% | 9.6% | 4.2% | -0.5% | — | -1.7% | -0.4% | 10.5% | 14.0% | 9.7% | 6.2% | 8.4% | 1.6% | -1.7% | -3.9% | -9.6% | — |
| EPS Growth | 13.7% | 13.7% | -8.4% | 0.0% | — | 53.8% | -10.6% | 5.8% | 80.6% | -10.7% | -29.9% | 5.9% | 11.0% | 42.2% | 255.6% | — | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.5%
EPS terminal req.
$2.02
Spread vs growth
13.2%
5Y implied EPS CAGR
4.2%
EPS terminal req.
$2.44
Spread vs growth
9.5%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$3.93
Spread vs growth
6.7%
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
+60.9%
Start / end P/E
8.2x → 11.4x
EPS bridge
1.75 → 1.99
Residual
+5.5%
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.