Financial Services / Banks - RegionalNasdaqGS
$49.30
+0.00 (+0.00%)
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 40.0/100
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
22/100
D
Piotroski
4/9
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
$834M
P/E
N/A
•EV/EBITDA
N/A
•ROE
9.4%
↑Gross Margin
N/A
•Debt/Equity
N/A
•Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
-6.1%
FCF CAGR
+6.9%
FCF margin
139.4%
FCF / Net income
0.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $41.7M · net income $65.2M · FCF $58.2M
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 | $41.7M | $41.7M | $35.7M | $33.6M | $33.3M | $32.0M | $27.7M | $28.3M | $26.8M | $136.1M | $129.6M | $99.1M | $88.4M | $88.2M | $90.9M | $98.4M | $104.5M | $113.3M |
| Net Income | $65.2M | $65.2M | $53.0M | $43.4M | $61.4M | $69.0M | $59.5M | $57.2M | $53.1M | $28.5M | $40.1M | $21.0M | $24.6M | $22.8M | $23.4M | $26.2M | $24.8M | $22.8M |
| EPS | 3.84 | 3.84 | 3.62 | 2.97 | 4.17 | 4.60 | 3.95 | 3.69 | 3.39 | 1.82 | 2.57 | 1.73 | 2.19 | 2.97 | 3.05 | 3.40 | 3.23 | 2.97 |
| Net Margin | 156.1% | 156.1% | 148.5% | 129.2% | 184.6% | 216.0% | 214.5% | 201.9% | 197.9% | 20.9% | 30.9% | 21.1% | 27.8% | 25.8% | 25.8% | 26.6% | 23.7% | 20.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | — | — | — | — | — | — | — | — | — | — | 0.03 | 0.10 | 0.13 | 0.13 | 0.29 | 0.33 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $58.2M | $58.2M | $55.4M | $64.9M | $103.0M | $140.9M | $15.3M | $28.6M | $59.3M | $55.5M | $55.7M | $12.7M | $28.6M | $28.2M | $38.9M | $31.9M | $33.3M | $19.9M |
| Returns | ||||||||||||||||||
| ROE | 9.4% | 9.4% | 10.0% | 8.8% | 13.6% | 12.7% | 11.2% | 12.1% | 12.2% | 7.1% | 10.2% | 5.8% | 10.0% | 9.9% | 10.0% | 12.0% | 12.0% | 12.0% |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 17.0% | 17.0% | 6.3% | 0.9% | 4.1% | 15.2% | -2.1% | 5.6% | -80.3% | 5.0% | 30.7% | 12.2% | 0.2% | -3.0% | -7.5% | -5.9% | -7.8% | — |
| EPS Growth | 6.1% | 6.1% | 21.9% | -28.8% | -9.3% | 16.5% | 7.0% | 8.8% | 86.3% | -29.2% | 48.6% | -21.0% | -26.3% | -2.6% | -10.3% | 5.3% | 8.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.4%
EPS terminal req.
$4.37
Spread vs growth
1.6%
5Y implied EPS CAGR
6.6%
EPS terminal req.
$5.29
Spread vs growth
-0.6%
10Y implied EPS CAGR
8.3%
EPS terminal req.
$8.52
Spread vs growth
-2.2%
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.
Unavailable: positive start/end prices are required.