Financial Services / Banks - RegionalNasdaqGS
$44.72
+0.13 (+0.29%)
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 43.0/100
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
45/100
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
$765M
P/E
12.7x
↑EV/EBITDA
N/A
•ROE
11.1%
↑Gross Margin
N/A
•Debt/Equity
0.13
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.4%
FCF CAGR
+5.3%
FCF margin
32.7%
FCF / Net income
1.30x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $244.4M · net income $61.6M · FCF $80.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $244.4M | $244.4M | $226.5M | $223.6M | $193.7M | $106.4M | $106.2M | $112.8M | $99.4M | $86.9M | $81.2M | $79.7M | $78.2M | $82.2M | $89.7M | $99.5M | $110.5M | $122.8M |
| Net Income | $61.6M | $61.6M | $52.9M | $52.3M | $33.4M | $33.4M | $31.6M | $30.8M | $26.2M | $10.9M | $11.7M | $9.1M | $9.3M | $6.0M | $108000.00 | $4.9M | $-413000.00 | $-3.5M |
| EPS | 3.60 | 3.60 | 3.12 | 3.07 | 1.97 | 1.98 | 1.88 | 1.83 | 1.54 | 0.64 | 0.69 | 0.53 | 0.53 | 0.35 | 0.01 | 0.29 | -0.02 | -0.20 |
| Net Margin | 25.2% | 25.2% | 23.4% | 23.4% | 17.3% | 31.4% | 29.7% | 27.3% | 26.4% | 12.5% | 14.5% | 11.4% | 11.8% | 7.4% | 0.1% | 4.9% | -0.4% | -2.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.13 | 0.13 | 0.11 | 0.14 | 0.26 | 0.00 | 0.01 | 0.02 | 0.03 | 0.05 | 0.05 | 0.10 | 0.11 | 0.14 | 0.19 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $80.0M | $80.0M | $54.9M | $47.7M | $86.4M | $117.0M | $-58.3M | $49.9M | $33.2M | $34.8M | — | $29.1M | $20.0M | $32.2M | $53.9M | $35.1M | $50.1M | $34.9M |
| Returns | ||||||||||||||||||
| ROE | 11.1% | 11.1% | 10.7% | 11.7% | 8.4% | 8.7% | 9.8% | 9.4% | 8.7% | 3.8% | 4.3% | 3.3% | 3.4% | 2.2% | 0.0% | 1.9% | -0.2% | -1.3% |
| Valuation | ||||||||||||||||||
| P/E | 12.67 | 12.67 | 11.50 | 9.27 | 16.38 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.38 | 1.38 | 1.23 | 1.08 | 1.38 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 7.9% | 7.9% | 1.3% | 15.5% | — | 0.1% | -5.9% | 13.5% | 14.3% | 7.1% | 1.9% | 1.8% | -4.8% | -8.4% | -9.8% | -10.0% | -10.0% | — |
| EPS Growth | 15.4% | 15.4% | 1.6% | 55.8% | — | 5.3% | 2.7% | 18.8% | 140.6% | -7.2% | 30.2% | 0.0% | 51.4% | 3400.0% | -96.6% | 1550.0% | 90.0% | — |
| Dividend Yield | 2.4% | 2.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.3%
EPS terminal req.
$3.97
Spread vs growth
12.1%
5Y implied EPS CAGR
5.9%
EPS terminal req.
$4.80
Spread vs growth
9.5%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$7.73
Spread vs growth
7.4%
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
12.0x → 12.4x
EPS bridge
3.12 → 3.60
Residual
+0.5%
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.