Financial Services / Banks - RegionalNasdaqCM
$29.00
+0.56 (+1.97%)
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 44.0/100
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
41/100
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
$188M
P/E
10.4x
↓EV/EBITDA
N/A
•ROE
9.5%
↑Gross Margin
N/A
•Debt/Equity
0.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.3%
FCF CAGR
—
FCF margin
30.3%
FCF / Net income
1.04x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $60.0M · net income $17.5M · FCF $18.2M
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 | $60.0M | $60.0M | $50.4M | $51.1M | $51.3M | $52.3M | $42.4M | $35.1M | $24.9M | $17.2M | $14.4M | $12.4M | $10.6M | $7.5M | $7.3M | $9.7M | $12.6M | $14.4M |
| Net Income | $17.5M | $17.5M | $13.4M | $16.9M | $18.2M | $18.5M | $29.6M | $9.6M | $4.3M | $1.3M | $1.6M | $4.5M | $479000.00 | $-918000.00 | $-3.8M | $-5.4M | $-6.9M | $-9.9M |
| EPS | — | — | 2.06 | 2.63 | 2.78 | 2.77 | 4.47 | 2.03 | 1.00 | 0.19 | 0.28 | 1.10 | 0.00 | -0.33 | 0.77 | -39.17 | -48.90 | -69.34 |
| Net Margin | 29.2% | 29.2% | 26.6% | 33.2% | 35.4% | 35.3% | 69.9% | 27.4% | 17.2% | 7.8% | 11.3% | 36.1% | 4.5% | -12.2% | -51.8% | -56.2% | -54.5% | -68.5% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.66 | 0.66 | 0.68 | 0.84 | 0.90 | 0.19 | 0.72 | 0.16 | 0.13 | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $18.2M | $18.2M | $13.9M | $17.4M | $38.9M | $250.3M | $-123.8M | $-104.0M | $-12.4M | $3.6M | — | — | — | $-4.5M | $-984000.00 | $412000.00 | $3.0M | $-2.6M |
| Returns | ||||||||||||||||||
| ROE | 9.5% | 9.5% | 7.9% | 10.9% | 13.0% | 14.7% | 26.9% | 11.9% | 9.4% | 3.3% | 4.1% | 11.7% | 1.4% | -4.0% | -15.9% | -54.6% | -43.0% | -42.6% |
| Valuation | ||||||||||||||||||
| P/E | 10.43 | 10.43 | 12.04 | 7.79 | 7.69 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.01 | 1.01 | 0.93 | 0.85 | 1.00 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 19.1% | 19.1% | -1.2% | -0.5% | — | 23.5% | 20.7% | 41.1% | 44.6% | 19.4% | 16.2% | 16.9% | 41.5% | 3.2% | -24.7% | -23.5% | -12.7% | — |
| EPS Growth | — | — | -21.7% | -5.4% | — | -38.0% | 120.2% | 103.0% | 426.3% | -31.2% | -75.0% | — | 100.0% | -142.9% | 102.0% | 19.9% | 29.5% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+22.6%
Start / end P/E
n/dx → n/dx
EPS bridge
2.06 → n/d
Residual
+21.3%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.