Financial Services / Banks - RegionalNYSE
$19.85
+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 34.0/100
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
32/100
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
N/A
•EV/EBITDA
N/A
•ROE
7.5%
↑Gross Margin
N/A
•Debt/Equity
0.69
↑Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+5.3%
FCF CAGR
—
FCF margin
-4.6%
FCF / Net income
-0.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $150.0M · net income $28.3M · FCF $-6.9M
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 | $150.0M | $150.0M | $137.2M | $124.9M | $91.5M | $70.6M | $63.1M | $60.5M | $49.0M | $45.9M | $44.6M | $44.3M | $44.8M | $45.2M | $47.3M | $51.8M | $58.7M | $65.8M |
| Net Income | $28.3M | $28.3M | $23.9M | $21.7M | $19.5M | $18.7M | $11.8M | $10.2M | $11.9M | $7.8M | $8.7M | $8.4M | $7.5M | $4.6M | $2.6M | $2.5M | $474216.00 | $-19.2M |
| EPS | 1.59 | 1.59 | 1.36 | 1.24 | 1.14 | 1.66 | 1.24 | 1.12 | 1.40 | 0.87 | 0.84 | 0.71 | 0.57 | 0.37 | 0.14 | 0.13 | -0.11 | -2.85 |
| Net Margin | 18.8% | 18.8% | 17.4% | 17.4% | 21.3% | 26.4% | 18.7% | 16.9% | 24.3% | 16.9% | 19.5% | 18.9% | 16.8% | 10.2% | 5.6% | 4.9% | 0.8% | -29.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.69 | 0.69 | 0.89 | 0.94 | 0.88 | 0.41 | 1.16 | 0.66 | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $-6.9M | $-6.9M | $22.3M | $17.4M | $46.8M | $30.3M | $-23.3M | $392000.00 | $12.2M | $11.2M | $10.1M | $10.9M | — | $17.4M | $22.0M | $14.8M | $26.9M | $13.8M |
| Returns | ||||||||||||||||||
| ROE | 7.5% | 7.5% | 8.6% | 8.5% | 8.5% | 8.6% | 8.2% | 7.8% | 12.5% | 8.6% | 9.3% | 8.8% | 7.6% | 5.1% | 2.8% | 2.6% | 0.5% | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 9.3% | 9.3% | 9.9% | 36.5% | 29.7% | 11.8% | 4.4% | 23.4% | 6.8% | 3.0% | 0.7% | -1.1% | -0.9% | -4.4% | -8.7% | -11.8% | -10.8% | — |
| EPS Growth | 16.9% | 16.9% | 9.7% | 8.8% | -31.3% | 33.9% | 10.7% | -20.0% | 60.9% | 3.6% | 18.3% | 24.6% | 54.1% | 164.3% | 7.7% | 218.2% | 96.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.5%
EPS terminal req.
$1.76
Spread vs growth
13.4%
5Y implied EPS CAGR
6.0%
EPS terminal req.
$2.13
Spread vs growth
10.9%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$3.43
Spread vs growth
8.9%
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.
Unavailable: positive start/end prices are required.