Financial Services / Banks - RegionalNasdaqCM
$29.05
+0.16 (+0.55%)
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 57.0/100
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
37/100
D
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
12/100
SEC 0%
Sin guardar todavía.
Market Cap
$398M
P/E
10.4x
↓EV/EBITDA
N/A
•ROE
13.0%
↑Gross Margin
N/A
•Debt/Equity
0.52
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2025 · 2 años de histórico normalizado
Revenue CAGR
+5.2%
FCF CAGR
-0.7%
FCF margin
39.0%
FCF / Net income
0.95x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $90.3M · net income $37.2M · FCF $35.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $90.3M | $90.3M | $87.7M | $81.7M |
| Net Income | $37.2M | $37.2M | $31.4M | $30.7M |
| EPS | 2.92 | 2.92 | 2.54 | 2.48 |
| Net Margin | 41.2% | 41.2% | 35.8% | 37.6% |
| Balance Sheet | ||||
| Debt/Equity | 0.52 | 0.52 | 0.48 | 0.75 |
| Cash Flow | ||||
| Free Cash Flow | $35.2M | $35.2M | $35.6M | $35.7M |
| Returns | ||||
| ROE | 13.0% | 13.0% | 14.3% | 16.1% |
| Valuation | ||||
| P/E | 10.45 | 10.45 | — | — |
| P/B | 1.41 | 1.41 | — | — |
| Growth & Yield | ||||
| Revenue Growth | 3.0% | 3.0% | 7.4% | — |
| EPS Growth | 15.0% | 15.0% | 2.3% | — |
| Dividend Yield | 0.7% | 0.7% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.1%
EPS terminal req.
$2.58
Spread vs growth
19.0%
5Y implied EPS CAGR
1.3%
EPS terminal req.
$3.12
Spread vs growth
13.6%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$5.02
Spread vs growth
9.4%
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
+21.7%
Start / end P/E
9.4x → 9.9x
EPS bridge
2.54 → 2.92
Residual
+0.8%
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.