Financial Services / Banks - RegionalNasdaqGM
$34.36
-0.42 (-1.21%)
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 35.0/100
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
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
$174M
P/E
26.4x
↑EV/EBITDA
N/A
•ROE
3.1%
↓Gross Margin
N/A
•Debt/Equity
0.22
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2012–2025 · 13 años de histórico normalizado
Revenue CAGR
+6.4%
FCF CAGR
+9.0%
FCF margin
41.3%
FCF / Net income
3.50x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $41.5M · net income $4.9M · FCF $17.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||
| Revenue | $41.5M | $41.5M | $49.1M | $42.4M | $50.0M | $43.6M | $47.5M | $51.0M | $43.6M | $32.4M | $32.0M | $31.9M | $20.8M | $17.9M | $18.5M |
| Net Income | $4.9M | $4.9M | $12.6M | $22.6M | $11.2M | $11.6M | $-10.6M | $14.3M | $7.1M | $6.9M | $7.6M | $8.4M | $4.3M | $4.3M | $4.2M |
| EPS | 0.92 | 0.92 | 2.38 | 4.40 | 2.18 | 2.15 | -1.97 | 2.63 | 1.40 | 1.69 | 1.86 | 2.07 | 1.63 | 1.72 | 1.70 |
| Net Margin | 11.8% | 11.8% | 25.6% | 53.2% | 22.5% | 26.6% | -22.4% | 28.1% | 16.2% | 21.4% | 23.7% | 26.4% | 20.6% | 23.8% | 22.7% |
| Balance Sheet | |||||||||||||||
| Debt/Equity | 0.22 | 0.22 | 0.24 | 0.25 | 0.13 | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||
| Free Cash Flow | $17.2M | $17.2M | $3.4M | $10.9M | $13.6M | $10.7M | $13.8M | $17.8M | $9.2M | $7.8M | $8.0M | $51.0M | $-9.0M | $7.8M | $5.6M |
| Returns | |||||||||||||||
| ROE | 3.1% | 3.1% | 8.5% | 16.1% | 10.2% | 8.7% | -7.9% | 9.5% | 5.1% | 7.4% | 8.5% | 9.7% | 5.2% | 9.5% | 9.5% |
| Valuation | |||||||||||||||
| P/E | 26.43 | 26.43 | 11.91 | 5.44 | 10.11 | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.16 | 1.16 | 1.02 | 0.88 | 1.03 | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||
| Revenue Growth | -15.5% | -15.5% | 16.0% | -15.2% | — | -8.2% | -7.0% | 17.0% | 34.5% | 1.3% | 0.3% | 53.1% | 16.4% | -3.5% | — |
| EPS Growth | -61.3% | -61.3% | -45.9% | 101.8% | — | 209.1% | -174.9% | 87.9% | -17.2% | -9.1% | -10.1% | 27.0% | -5.2% | 1.2% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
49.1%
EPS terminal req.
$3.05
Spread vs growth
-110.4%
5Y implied EPS CAGR
32.0%
EPS terminal req.
$3.69
Spread vs growth
-93.4%
10Y implied EPS CAGR
20.5%
EPS terminal req.
$5.94
Spread vs growth
-81.9%
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
+22.0%
Start / end P/E
12.1x → 37.3x
EPS bridge
2.38 → 0.92
Residual
-127.3%
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.