Financial Services / Banks - RegionalNYSE
$36.22
-0.03 (-0.08%)
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 48.0/100
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
35/100
D
Piotroski
2/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$238M
P/E
10.9x
↓EV/EBITDA
N/A
•ROE
12.0%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+23.5%
FCF CAGR
-12.7%
FCF margin
20.9%
FCF / Net income
0.57x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $55.1M · net income $20.2M · FCF $11.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $55.1M | $55.1M | $53.3M | $30.2M | $29.2M |
| Net Income | $20.2M | $20.2M | $20.9M | $8.8M | $8.3M |
| EPS | 3.08 | 3.08 | 4.17 | 1.38 | 1.29 |
| Net Margin | 36.8% | 36.8% | 39.3% | 29.2% | 28.3% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | 0.06 | 0.07 |
| Cash Flow | |||||
| Free Cash Flow | $11.5M | $11.5M | $21.6M | $12.5M | $17.3M |
| Returns | |||||
| ROE | 12.0% | 12.0% | 14.5% | 10.6% | 12.0% |
| Valuation | |||||
| P/E | 10.94 | 10.94 | 5.94 | — | — |
| P/B | 1.40 | 1.40 | 0.86 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 3.3% | 3.3% | 76.4% | 3.5% | — |
| EPS Growth | -26.1% | -26.1% | 203.1% | 6.6% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.4%
EPS terminal req.
$3.21
Spread vs growth
-27.6%
5Y implied EPS CAGR
4.8%
EPS terminal req.
$3.89
Spread vs growth
-30.9%
10Y implied EPS CAGR
7.4%
EPS terminal req.
$6.26
Spread vs growth
-33.5%
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
+34.1%
Start / end P/E
6.5x → 11.8x
EPS bridge
4.17 → 3.08
Residual
-21.3%
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.