Financial Services / Banks - RegionalNasdaqGS
$7.69
-0.08 (-1.03%)
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 24.0/100
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
$957M
P/E
12.8x
↑EV/EBITDA
N/A
•ROE
6.5%
↑Gross Margin
N/A
•Debt/Equity
1.86
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
-4.5%
FCF CAGR
-7.6%
FCF margin
25.1%
FCF / Net income
0.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $198.2M · net income $68.0M · FCF $49.8M
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 | $198.2M | $198.2M | $164.6M | $-20.9M | $212.6M | $16.5M | $14.8M | $16.6M | $15.6M | $15.1M | $301.1M | $297.4M | $290.2M | $298.6M | $328.1M | $346.9M | $374.1M | $412.8M |
| Net Income | $68.0M | $68.0M | $38.0M | $-101.7M | $84.5M | $76.1M | $64.5M | $94.2M | $98.9M | $84.1M | $83.5M | $78.1M | $77.7M | $69.3M | $74.5M | $38.4M | $67.8M | $66.3M |
| EPS | 0.52 | 0.52 | 0.29 | -0.84 | 0.62 | 0.56 | 0.47 | 0.68 | 0.73 | 0.63 | 0.63 | 0.58 | 0.56 | 0.48 | 0.47 | 0.24 | 0.41 | 0.40 |
| Net Margin | 34.3% | 34.3% | 23.1% | 486.9% | 39.7% | 461.1% | 436.1% | 567.7% | 632.7% | 558.9% | 27.7% | 26.3% | 26.8% | 23.2% | 22.7% | 11.1% | 18.1% | 16.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 1.86 | 1.86 | 2.11 | 2.28 | 1.94 | — | — | — | — | — | — | — | — | 1.74 | 1.61 | 1.50 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $49.8M | $49.8M | $24.0M | $41.3M | $91.7M | $65.1M | $78.2M | $69.2M | $112.4M | $76.3M | $70.1M | — | — | — | $93.6M | $53.0M | $51.0M | $177.7M |
| Returns | ||||||||||||||||||
| ROE | 6.5% | 6.5% | 3.7% | -9.7% | 7.7% | 6.1% | 5.0% | 7.1% | 7.1% | 6.1% | 6.0% | 5.5% | 5.2% | 4.2% | 4.1% | 2.0% | 7.1% | 7.0% |
| Valuation | ||||||||||||||||||
| P/E | 12.82 | 12.82 | 19.20 | — | 13.31 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.95 | 0.95 | 0.71 | 0.59 | 1.02 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 20.4% | 20.4% | 888.4% | -109.8% | — | 11.5% | -10.8% | 6.2% | 3.9% | -95.0% | 1.3% | 2.5% | -2.8% | -9.0% | -5.4% | -7.3% | -9.4% | — |
| EPS Growth | 79.5% | 79.5% | 134.8% | -235.4% | — | 19.1% | -30.9% | -6.8% | 15.9% | 0.0% | 8.6% | 3.6% | 16.7% | 2.1% | 95.8% | -41.5% | 2.5% | — |
| Dividend Yield | 4.4% | 4.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.2%
EPS terminal req.
$0.68
Spread vs growth
70.3%
5Y implied EPS CAGR
9.5%
EPS terminal req.
$0.83
Spread vs growth
70.0%
10Y implied EPS CAGR
9.8%
EPS terminal req.
$1.33
Spread vs growth
69.7%
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
+39.1%
Start / end P/E
19.5x → 14.7x
EPS bridge
0.29 → 0.52
Residual
-19.8%
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.