Financial Services / Banks - RegionalNasdaqGS
$71.34
+0.16 (+0.22%)
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 54.0/100
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
30/100
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
$1.1B
P/E
22.2x
↑EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.11
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
+37.3%
FCF CAGR
+57.3%
FCF margin
60.8%
FCF / Net income
5.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $404.6M · net income $47.0M · FCF $246.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $404.6M | $404.6M | $452.9M | $348.8M | $211.9M | $83.1M | $63.0M | $48.6M | $38.7M | $32.1M |
| Net Income | $47.0M | $47.0M | $45.2M | $44.6M | $40.6M | $27.0M | $15.1M | $13.2M | $9.7M | $5.4M |
| EPS | 3.04 | 3.04 | 3.25 | 3.27 | 3.01 | 2.16 | 1.24 | 1.08 | 0.91 | 0.59 |
| Net Margin | 11.6% | 11.6% | 10.0% | 12.8% | 19.2% | 32.5% | 24.0% | 27.2% | 25.0% | 16.9% |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.11 | 0.11 | 0.12 | 0.18 | 0.22 | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $246.1M | $246.1M | $249.9M | $185.3M | $64.3M | $27.3M | $14.0M | $12.5M | $13.3M | $6.6M |
| Returns | ||||||||||
| ROE | 9.6% | 9.6% | 10.3% | 15.1% | 16.7% | 13.4% | 10.8% | 10.6% | 8.9% | 8.3% |
| Valuation | ||||||||||
| P/E | 22.22 | 22.22 | 25.81 | 13.09 | 15.03 | — | — | — | — | — |
| P/B | 2.25 | 2.25 | 2.65 | 1.98 | 2.51 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | -10.7% | -10.7% | 29.8% | 64.6% | — | 31.8% | 29.7% | 25.4% | 20.6% | — |
| EPS Growth | -6.5% | -6.5% | -0.6% | 8.6% | — | 74.2% | 14.8% | 18.7% | 54.2% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
27.7%
EPS terminal req.
$6.33
Spread vs growth
-34.2%
5Y implied EPS CAGR
20.3%
EPS terminal req.
$7.66
Spread vs growth
-26.8%
10Y implied EPS CAGR
15.0%
EPS terminal req.
$12.34
Spread vs growth
-21.5%
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
-18.8%
Start / end P/E
27.0x → 23.5x
EPS bridge
3.25 → 3.04
Residual
+0.9%
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.