Financial Services / Banks - RegionalNYSE
$32.80
-0.29 (-0.88%)
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 44.0/100
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
46/100
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
$1.5B
P/E
10.6x
↓EV/EBITDA
N/A
•ROE
10.3%
↑Gross Margin
N/A
•Debt/Equity
0.39
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2015–2025 · 10 años de histórico normalizado
Revenue CAGR
+18.2%
FCF CAGR
—
FCF margin
30.9%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $441.5M · net income $130.1M · FCF $136.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | $441.5M | $441.5M | $403.5M | $383.6M | $320.2M | $248.9M | $239.2M | $264.8M | $207.0M | $136.8M | $98.4M | $83.3M |
| Net Income | $130.1M | $130.1M | $120.8M | $107.9M | $88.0M | $92.8M | $37.5M | $57.0M | $41.2M | $21.7M | $66.7M | $-15.0M |
| EPS | 2.89 | 2.89 | 2.75 | 2.67 | 2.34 | 2.40 | 0.96 | 1.48 | 1.18 | 0.38 | 3.27 | -0.86 |
| Net Margin | 29.5% | 29.5% | 29.9% | 28.1% | 27.5% | 37.3% | 15.7% | 21.5% | 19.9% | 15.9% | 67.8% | -18.0% |
| Balance Sheet | ||||||||||||
| Debt/Equity | 0.39 | 0.39 | 0.68 | 0.52 | 0.98 | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||
| Free Cash Flow | $136.3M | $136.3M | $171.2M | $162.2M | $216.7M | $72.2M | $105.1M | $25.0M | $77.4M | $24.3M | $-1.7M | — |
| Returns | ||||||||||||
| ROE | 10.3% | 10.3% | 11.1% | 10.9% | 11.5% | 11.1% | 4.7% | 7.6% | 6.3% | 4.7% | 17.4% | -8.0% |
| Valuation | ||||||||||||
| P/E | 10.65 | 10.65 | 10.35 | 8.64 | 9.87 | — | — | — | — | — | — | — |
| P/B | 1.17 | 1.17 | 1.14 | 0.94 | 1.13 | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||
| Revenue Growth | 9.4% | 9.4% | 5.2% | 19.8% | — | 4.1% | -9.7% | 28.0% | 51.3% | 39.1% | 18.1% | — |
| EPS Growth | 5.1% | 5.1% | 3.0% | 14.1% | — | 150.0% | -35.1% | 25.4% | 210.5% | -88.4% | 480.2% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.2%
EPS terminal req.
$2.91
Spread vs growth
4.9%
5Y implied EPS CAGR
4.0%
EPS terminal req.
$3.52
Spread vs growth
1.1%
10Y implied EPS CAGR
7.0%
EPS terminal req.
$5.67
Spread vs growth
-1.9%
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
+28.1%
Start / end P/E
9.4x → 11.3x
EPS bridge
2.75 → 2.89
Residual
+1.1%
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.