Financial Services / Banks - RegionalNasdaqGS
$30.29
+0.13 (+0.43%)
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 41.0/100
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
3/9
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
$897M
P/E
10.6x
↓EV/EBITDA
N/A
•ROE
7.6%
↑Gross Margin
N/A
•Debt/Equity
0.36
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+10.5%
FCF CAGR
+9.6%
FCF margin
21.2%
FCF / Net income
0.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $277.0M · net income $66.1M · FCF $58.7M
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 | $277.0M | $277.0M | $222.0M | $218.1M | $219.6M | $179.6M | $167.2M | $155.7M | $131.9M | $108.9M | $94.3M | $87.2M | $86.9M | $71.4M | $68.1M | $65.7M | $61.1M | $55.9M |
| Net Income | $66.1M | $66.1M | $54.6M | $58.0M | $63.2M | $57.7M | $32.7M | $40.1M | $33.7M | $23.9M | $20.5M | $22.2M | $23.1M | $16.7M | $17.1M | $15.1M | $11.3M | $8.5M |
| EPS | 2.49 | 2.49 | 2.39 | 2.55 | 2.80 | 3.16 | 1.97 | 2.63 | 2.21 | 1.57 | 1.42 | 1.54 | 1.60 | 1.29 | 1.38 | 1.23 | 1.06 | 0.98 |
| Net Margin | 23.9% | 23.9% | 24.6% | 26.6% | 28.8% | 32.1% | 19.6% | 25.7% | 25.6% | 21.9% | 21.8% | 25.5% | 26.6% | 23.4% | 25.2% | 23.0% | 18.5% | 15.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.36 | 0.36 | 0.24 | 0.25 | 0.26 | 0.19 | 0.12 | 0.98 | 1.20 | 1.34 | 1.45 | 1.19 | 0.70 | 0.66 | 0.81 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $58.7M | $58.7M | $55.2M | $36.1M | $51.8M | $52.4M | $23.1M | $43.0M | $41.8M | $25.5M | $16.6M | $26.9M | $22.5M | $28.3M | $25.5M | $28.7M | $9.2M | $13.5M |
| Returns | ||||||||||||||||||
| ROE | 7.6% | 7.6% | 8.9% | 10.2% | 11.9% | 13.0% | 7.9% | 13.1% | 12.8% | 9.8% | 9.7% | 11.0% | 12.2% | 10.1% | 11.8% | 11.5% | 10.3% | 12.3% |
| Valuation | ||||||||||||||||||
| P/E | 10.55 | 10.55 | 10.31 | 8.63 | 8.45 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.86 | 0.86 | 0.85 | 0.81 | 0.94 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 24.8% | 24.8% | 1.8% | -0.7% | — | 7.4% | 7.3% | 18.1% | 21.1% | 15.4% | 8.2% | 0.3% | 21.7% | 4.8% | 3.7% | 7.5% | 9.4% | — |
| EPS Growth | 4.2% | 4.2% | -6.3% | -9.0% | — | 60.4% | -25.1% | 19.0% | 40.8% | 10.6% | -7.8% | -3.8% | 24.0% | -6.5% | 12.2% | 16.0% | 8.2% | — |
| Dividend Yield | 2.5% | 2.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.6%
EPS terminal req.
$2.69
Spread vs growth
1.6%
5Y implied EPS CAGR
5.5%
EPS terminal req.
$3.25
Spread vs growth
-1.3%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$5.24
Spread vs growth
-3.5%
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
+43.9%
Start / end P/E
9.0x → 12.2x
EPS bridge
2.39 → 2.49
Residual
+1.5%
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.