Financial Services / Banks - RegionalNasdaqGS
$35.52
-0.52 (-1.44%)
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 42.0/100
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
47/100
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
$242M
P/E
12.5x
↓EV/EBITDA
N/A
•ROE
6.9%
↑Gross Margin
N/A
•Debt/Equity
0.08
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2025 · 4 años de histórico normalizado
Revenue CAGR
+5.0%
FCF CAGR
+15.2%
FCF margin
24.4%
FCF / Net income
1.11x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $84.3M · net income $18.6M · FCF $20.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | $84.3M | $84.3M | $74.7M | $72.2M | $72.9M | $69.3M |
| Net Income | $18.6M | $18.6M | $10.2M | $25.8M | $26.5M | $22.5M |
| EPS | 2.71 | 2.71 | 1.55 | 4.03 | 4.11 | 3.30 |
| Net Margin | 22.1% | 22.1% | 13.7% | 35.7% | 36.3% | 32.5% |
| Balance Sheet | ||||||
| Debt/Equity | 0.08 | 0.08 | 0.09 | 0.10 | 0.12 | 0.00 |
| Cash Flow | ||||||
| Free Cash Flow | $20.6M | $20.6M | $13.2M | $21.4M | $23.4M | $11.7M |
| Returns | ||||||
| ROE | 6.9% | 6.9% | 3.9% | 10.7% | 12.1% | 10.4% |
| Valuation | ||||||
| P/E | 12.46 | 12.46 | 22.14 | 8.78 | 7.74 | — |
| P/B | 0.90 | 0.90 | 0.87 | 0.94 | 0.93 | — |
| Growth & Yield | ||||||
| Revenue Growth | 12.8% | 12.8% | 3.4% | -1.0% | — | — |
| EPS Growth | 74.8% | 74.8% | -61.5% | -1.9% | — | — |
| Dividend Yield | 3.9% | 3.9% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.2%
EPS terminal req.
$3.15
Spread vs growth
69.7%
5Y implied EPS CAGR
7.1%
EPS terminal req.
$3.81
Spread vs growth
67.8%
10Y implied EPS CAGR
8.5%
EPS terminal req.
$6.14
Spread vs growth
66.3%
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
+17.3%
Start / end P/E
20.2x → 13.1x
EPS bridge
1.55 → 2.71
Residual
-26.3%
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.