Financial Services / Banks - RegionalNasdaqGS
$37.68
-0.30 (-0.79%)
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 45.0/100
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
39/100
D
Piotroski
3/9
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
$493M
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
11.6%
↑Gross Margin
N/A
•Debt/Equity
1.06
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.7%
FCF CAGR
+2.9%
FCF margin
22.0%
FCF / Net income
0.76x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $146.5M · net income $42.3M · FCF $32.2M
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 | $146.5M | $146.5M | $138.8M | $118.2M | $130.3M | $113.1M | $110.2M | $110.9M | $101.6M | $80.9M | $68.5M | $62.7M | $55.1M | $51.8M | $54.9M | $58.6M | $63.8M | $70.1M |
| Net Income | $42.3M | $42.3M | $40.6M | $34.8M | $33.7M | $43.0M | $35.4M | $36.0M | $29.7M | $19.5M | $17.6M | $18.1M | $15.2M | $13.4M | $8.2M | $7.8M | $7.4M | $8.9M |
| EPS | 3.11 | 3.11 | 2.82 | 2.36 | 2.25 | 2.80 | 2.32 | 2.33 | 1.92 | 1.36 | 1.29 | 1.33 | 1.08 | 0.94 | 0.58 | 0.55 | 0.60 | 0.86 |
| Net Margin | 28.9% | 28.9% | 29.2% | 29.5% | 25.8% | 38.0% | 32.2% | 32.4% | 29.2% | 24.1% | 25.6% | 28.8% | 27.6% | 25.8% | 14.9% | 13.3% | 11.5% | 12.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 1.06 | 1.06 | 0.46 | 0.93 | 1.00 | 0.14 | — | — | — | 0.00 | 0.00 | 0.01 | 0.03 | 0.00 | 0.03 | 0.09 | 0.09 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $32.2M | $32.2M | $56.0M | $51.8M | $32.3M | $52.3M | $37.1M | $46.0M | $27.3M | $38.5M | $12.0M | — | $26.2M | $33.9M | $35.3M | $31.9M | $29.5M | $20.2M |
| Returns | ||||||||||||||||||
| ROE | 11.6% | 11.6% | 11.4% | 10.3% | 11.1% | 11.9% | 10.3% | 11.6% | 10.9% | 7.6% | 8.5% | 9.5% | 8.1% | 7.4% | 4.7% | 4.6% | 4.6% | 6.6% |
| Valuation | ||||||||||||||||||
| P/E | 11.02 | 11.02 | 10.32 | 9.33 | 9.48 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.40 | 1.40 | 1.17 | 0.96 | 1.05 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 5.5% | 5.5% | 17.5% | -9.3% | — | 2.6% | -0.6% | 9.2% | 25.6% | 18.1% | 9.2% | 13.8% | 6.4% | -5.7% | -6.3% | -8.2% | -9.0% | — |
| EPS Growth | 10.3% | 10.3% | 19.5% | 4.9% | — | 20.7% | -0.4% | 21.4% | 41.2% | 5.4% | -3.0% | 23.1% | 14.9% | 62.1% | 5.5% | -8.3% | -30.2% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.4%
EPS terminal req.
$3.34
Spread vs growth
7.8%
5Y implied EPS CAGR
5.4%
EPS terminal req.
$4.05
Spread vs growth
4.9%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$6.52
Spread vs growth
2.6%
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
+40.4%
Start / end P/E
9.7x → 12.1x
EPS bridge
2.82 → 3.11
Residual
+2.6%
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.