Financial Services / Banks - RegionalNasdaqGS
$44.08
-0.18 (-0.41%)
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 73.0/100
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
31/100
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
$420M
P/E
9.4x
↓EV/EBITDA
N/A
•ROE
17.2%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+12.6%
FCF CAGR
+10.4%
FCF margin
43.0%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $96.4M · net income $43.1M · FCF $41.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $96.4M | $96.4M | $97.4M | $91.8M | $72.4M | $56.3M | $53.3M | $51.7M | $46.8M | $42.9M | $33.2M |
| Net Income | $43.1M | $43.1M | $45.7M | $28.3M | $29.6M | $23.2M | $19.3M | $8.2M | $25.0M | $23.8M | $16.8M |
| EPS | 4.50 | 4.50 | 4.84 | 3.05 | 3.22 | 2.55 | 2.05 | 0.81 | 3.03 | 3.26 | 2.31 |
| Net Margin | 44.7% | 44.7% | 46.9% | 30.8% | 41.0% | 41.1% | 36.1% | 15.9% | 53.4% | 55.5% | 50.7% |
| Balance Sheet | |||||||||||
| Debt/Equity | — | — | — | — | — | — | — | — | 0.00 | 0.08 | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $41.4M | $41.4M | $50.8M | $46.3M | $39.4M | $29.5M | $24.8M | $16.1M | $26.6M | $21.9M | $17.0M |
| Returns | |||||||||||
| ROE | 17.2% | 17.2% | 21.4% | 16.6% | 20.6% | 18.2% | 18.0% | 8.2% | 28.3% | 34.4% | 30.5% |
| Valuation | |||||||||||
| P/E | 9.44 | 9.44 | 9.30 | 8.74 | 8.25 | — | — | — | — | — | — |
| P/B | 1.68 | 1.68 | 1.99 | 1.45 | 1.70 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | -1.1% | -1.1% | 6.2% | 26.8% | — | 5.6% | 3.1% | 10.5% | 9.2% | 29.3% | — |
| EPS Growth | -7.0% | -7.0% | 58.7% | -5.3% | — | 24.4% | 153.1% | -73.3% | -7.1% | 41.1% | — |
| Dividend Yield | 2.5% | 2.5% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.6%
EPS terminal req.
$3.91
Spread vs growth
-2.5%
5Y implied EPS CAGR
1.0%
EPS terminal req.
$4.73
Spread vs growth
-8.0%
10Y implied EPS CAGR
5.4%
EPS terminal req.
$7.62
Spread vs growth
-12.4%
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
+16.6%
Start / end P/E
8.0x → 9.8x
EPS bridge
4.84 → 4.50
Residual
-1.6%
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.