Financial Services / Banks - RegionalNasdaqCM
$18.70
-0.16 (-0.85%)
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 38.0/100
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
44/100
C
Piotroski
6/9
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
$521M
P/E
10.6x
↓EV/EBITDA
N/A
•ROE
8.9%
↑Gross Margin
N/A
•Debt/Equity
0.98
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+12.1%
FCF CAGR
+6.2%
FCF margin
15.5%
FCF / Net income
0.48x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $142.0M · net income $46.1M · FCF $22.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $142.0M | $142.0M | $107.7M | $109.8M | $135.3M | $128.9M | $114.8M | $103.8M | $85.2M | $66.3M | $50.6M |
| Net Income | $46.1M | $46.1M | $32.8M | $40.0M | $53.4M | $45.7M | $27.2M | $31.4M | $26.9M | $16.9M | $13.2M |
| EPS | 1.49 | 1.49 | 1.03 | 1.27 | 1.72 | 1.54 | 0.93 | 1.05 | 0.91 | 0.68 | 0.58 |
| Net Margin | 32.5% | 32.5% | 30.5% | 36.4% | 39.4% | 35.4% | 23.7% | 30.3% | 31.6% | 25.5% | 26.1% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.98 | 0.98 | 0.99 | 0.97 | 0.48 | — | — | — | — | — | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $22.0M | $22.0M | $42.3M | $27.0M | $83.4M | $53.5M | $-1.7M | $24.0M | $25.7M | $23.7M | $12.7M |
| Returns | |||||||||||
| ROE | 8.9% | 8.9% | 7.2% | 9.4% | 13.5% | 12.0% | 10.2% | 12.8% | 12.2% | 12.3% | 11.5% |
| Valuation | |||||||||||
| P/E | 10.63 | 10.63 | 13.04 | 10.02 | 10.26 | — | — | — | — | — | — |
| P/B | 1.02 | 1.02 | 0.82 | 0.85 | 1.28 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 31.8% | 31.8% | -1.8% | -18.9% | — | 12.2% | 10.6% | 21.8% | 28.5% | 31.0% | — |
| EPS Growth | 44.7% | 44.7% | -18.9% | -26.2% | — | 65.6% | -11.4% | 15.4% | 33.8% | 17.2% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.7%
EPS terminal req.
$1.66
Spread vs growth
41.0%
5Y implied EPS CAGR
6.1%
EPS terminal req.
$2.01
Spread vs growth
38.5%
10Y implied EPS CAGR
8.1%
EPS terminal req.
$3.23
Spread vs growth
36.6%
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
+27.7%
Start / end P/E
14.2x → 12.6x
EPS bridge
1.03 → 1.49
Residual
-5.2%
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.