Financial Services / Banks - RegionalNasdaqCM
$25.56
-0.34 (-1.31%)
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 46.0/100
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
$531M
P/E
9.5x
↓EV/EBITDA
N/A
•ROE
8.5%
↑Gross Margin
N/A
•Debt/Equity
0.52
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+8.2%
FCF CAGR
+5.0%
FCF margin
24.8%
FCF / Net income
0.91x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $169.8M · net income $46.2M · FCF $42.1M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $169.8M | $169.8M | $151.9M | $160.2M | $137.0M | $19.6M | $16.9M | $17.8M | $15.3M | $13.6M | $13.3M | $50.7M | $46.0M | $44.9M | $46.8M | $48.9M | $51.9M |
| Net Income | $46.2M | $46.2M | $31.7M | $43.0M | $39.4M | $40.5M | $32.2M | $33.9M | $14.1M | $15.9M | $17.2M | $12.7M | $9.5M | $6.2M | $5.6M | $4.0M | $-1.3M |
| EPS | 2.64 | 2.64 | 2.01 | 2.73 | 2.60 | 2.63 | 2.00 | 2.01 | 1.02 | 1.28 | 1.57 | 1.17 | 0.85 | 0.64 | 0.57 | 0.36 | — |
| Net Margin | 27.2% | 27.2% | 20.9% | 26.8% | 28.8% | 206.5% | 190.0% | 190.5% | 92.3% | 116.4% | 129.4% | 25.1% | 20.7% | 13.8% | 11.9% | 8.1% | -2.4% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.52 | 0.52 | 1.16 | 1.22 | 1.85 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $42.1M | $42.1M | $44.1M | $59.3M | $18.7M | $38.8M | $30.7M | $35.6M | $18.2M | $19.8M | $15.3M | $13.1M | $14.4M | $11.7M | $16.0M | $19.6M | $20.3M |
| Returns | |||||||||||||||||
| ROE | 8.5% | 8.5% | 8.2% | 11.5% | 11.8% | 11.4% | 9.2% | 10.3% | 4.7% | 8.6% | 12.5% | 10.2% | 8.2% | 4.8% | 5.4% | 3.9% | -1.3% |
| Valuation | |||||||||||||||||
| P/E | 9.47 | 9.47 | 10.35 | 6.58 | 8.56 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.82 | 0.82 | 0.82 | 0.73 | 1.01 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 11.8% | 11.8% | -5.2% | 16.9% | — | 15.9% | -4.7% | 16.1% | 12.3% | 2.5% | -73.8% | 10.3% | 2.4% | -4.0% | -4.3% | -5.9% | — |
| EPS Growth | 31.3% | 31.3% | -26.4% | 5.0% | — | 31.5% | -0.5% | 97.1% | -20.3% | -18.5% | 34.2% | 37.6% | 32.8% | 12.3% | 58.3% | — | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.9%
EPS terminal req.
$2.27
Spread vs growth
36.3%
5Y implied EPS CAGR
0.8%
EPS terminal req.
$2.74
Spread vs growth
30.6%
10Y implied EPS CAGR
5.3%
EPS terminal req.
$4.42
Spread vs growth
26.1%
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
+16.1%
Start / end P/E
11.2x → 9.7x
EPS bridge
2.01 → 2.64
Residual
-4.3%
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.