Financial Services / Banks - RegionalNasdaqGS
$31.63
-0.29 (-0.91%)
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
49/100
C
Piotroski
6/9
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
$515M
P/E
9.5x
↓EV/EBITDA
N/A
•ROE
14.2%
↑Gross Margin
N/A
•Debt/Equity
0.13
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
+19.8%
FCF CAGR
+9.2%
FCF margin
27.9%
FCF / Net income
1.18x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $241.2M · net income $57.2M · FCF $67.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $241.2M | $241.2M | $183.7M | $164.9M | $168.3M | $123.2M | $97.3M | $82.2M | $69.1M | $56.7M |
| Net Income | $57.2M | $57.2M | $31.0M | $35.9M | $41.8M | $40.0M | $25.8M | $16.9M | $12.8M | $7.1M |
| EPS | 3.41 | 3.41 | 2.11 | 2.55 | 2.91 | 2.84 | 1.87 | 1.21 | 1.02 | 0.62 |
| Net Margin | 23.7% | 23.7% | 16.9% | 21.8% | 24.8% | 32.4% | 26.6% | 20.6% | 18.5% | 12.5% |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.13 | 0.13 | 0.10 | 0.19 | 0.53 | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $67.3M | $67.3M | $32.8M | $45.3M | $49.8M | — | — | — | $26.6M | $33.4M |
| Returns | ||||||||||
| ROE | 14.2% | 14.2% | 8.7% | 14.1% | 18.7% | 20.2% | 16.2% | 12.7% | 11.1% | 8.9% |
| Valuation | ||||||||||
| P/E | 9.53 | 9.53 | 13.28 | 9.55 | 8.08 | — | — | — | — | — |
| P/B | 1.32 | 1.32 | 1.16 | 1.34 | 1.51 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 31.3% | 31.3% | 11.4% | -2.0% | — | 26.7% | 18.3% | 18.9% | 22.0% | — |
| EPS Growth | 61.6% | 61.6% | -17.3% | -12.4% | — | 51.9% | 54.5% | 18.6% | 64.5% | — |
| Dividend Yield | 1.5% | 1.5% | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.3%
EPS terminal req.
$2.81
Spread vs growth
67.9%
5Y implied EPS CAGR
-0.1%
EPS terminal req.
$3.40
Spread vs growth
61.7%
10Y implied EPS CAGR
4.8%
EPS terminal req.
$5.47
Spread vs growth
56.8%
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
-0.6%
Start / end P/E
15.3x → 9.3x
EPS bridge
2.11 → 3.41
Residual
-24.3%
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.