Financial Services / Banks - RegionalNasdaqGS
$68.89
+0.19 (+0.28%)
Book/ROE base 3Y
$92.25
+10.2% CAGR · P/B 1.3x
Book/ROE base 5Y
$111.62
+10.1% base · +11.8% expected
Precio de entrada
$52.39
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $53.02 · quality 50.0/100
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
46/100
C
Piotroski
5/9
balance/quality
Valuation
51/100
+0.8% upside
5Y CAGR
+11.8%
97/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$332M
P/E
21.5x
↑EV/EBITDA
N/A
•ROE
5.9%
↓Gross Margin
N/A
•Debt/Equity
0.55
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.8%
FCF CAGR
+12.3%
FCF margin
46.6%
FCF / Net income
2.90x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $94.0M · net income $15.1M · FCF $43.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC | 2016SEC | 2015SEC | 2014SEC | 2013SEC | 2012SEC | 2011SEC | 2010SEC | 2009SEC |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $94.0M | $94.0M | $96.1M | $98.0M | $94.6M | $69.0M | $66.9M | $66.9M | $64.6M | $60.1M | $56.2M | $54.2M | $53.2M | $50.7M | $52.1M | $50.6M | $42.7M | $44.5M |
| Net Income | $15.1M | $15.1M | $23.7M | $25.0M | $28.8M | $26.4M | $19.3M | $15.6M | $19.6M | $7.4M | $10.0M | $9.4M | $8.2M | $8.7M | $11.0M | $10.5M | $10.1M | $5.2M |
| EPS | 3.14 | 3.14 | 4.96 | 5.28 | 6.13 | 5.64 | 4.01 | — | — | — | — | — | — | — | 2.38 | 2.40 | 2.80 | 1.45 |
| Net Margin | 16.1% | 16.1% | 24.6% | 25.5% | 30.4% | 38.3% | 28.8% | 23.3% | 30.4% | 12.4% | 17.9% | 17.4% | 15.3% | 17.2% | 21.2% | 20.8% | 23.6% | 11.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.55 | 0.55 | 0.55 | 0.21 | 0.64 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.8M | $43.8M | $26.2M | $30.4M | $34.6M | $35.1M | $27.8M | $25.5M | $26.0M | $22.2M | $20.4M | — | — | $19.3M | $20.9M | $6.6M | $15.7M | $6.9M |
| Returns | ||||||||||||||||||
| ROE | 5.9% | 5.9% | 11.0% | 12.8% | 17.3% | 12.5% | 9.6% | 8.5% | 11.9% | 5.0% | 7.0% | 6.9% | 6.1% | 6.3% | 8.4% | 8.4% | 10.4% | 5.8% |
| Valuation | ||||||||||||||||||
| P/E | 21.48 | 21.48 | 13.60 | 12.77 | 11.00 | 11.96 | 16.82 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.27 | 1.27 | 1.49 | 1.63 | 1.90 | 1.49 | 1.62 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -2.2% | -2.2% | -1.9% | 3.5% | 37.1% | 3.1% | -0.0% | 3.7% | 7.5% | 6.9% | 3.5% | 1.9% | 5.0% | -2.7% | 2.8% | 18.5% | -3.9% | — |
| EPS Growth | -36.7% | -36.7% | -6.1% | -13.9% | 8.7% | 40.6% | — | — | — | — | — | — | — | — | -0.8% | -14.3% | 93.1% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
24.9%
EPS terminal req.
$6.11
Spread vs growth
-61.6%
5Y implied EPS CAGR
18.7%
EPS terminal req.
$7.40
Spread vs growth
-55.4%
10Y implied EPS CAGR
14.3%
EPS terminal req.
$11.91
Spread vs growth
-51.0%
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
+50.2%
Start / end P/E
9.4x → 21.9x
EPS bridge
4.96 → 3.14
Residual
-49.2%
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.