Financial Services / Banks - RegionalParis
$126.98
+5.88 (+4.86%)
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 12.0/100
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
3/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$666M
P/E
9.7x
↓EV/EBITDA
N/A
•ROE
2.9%
↓Gross Margin
N/A
•Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-2.5%
FCF CAGR
—
FCF margin
17.6%
FCF / Net income
0.60x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $234.4M · net income $68.7M · FCF $41.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $234.4M | $234.4M | $233.0M | $206.1M | $252.8M |
| Net Income | $68.7M | $68.7M | $68.8M | $51.7M | $82.3M |
| EPS | 13.11 | 13.11 | 13.16 | 9.89 | 15.70 |
| Net Margin | 29.3% | 29.3% | 29.5% | 25.1% | 32.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 |
| Cash Flow | |||||
| Free Cash Flow | $41.2M | $41.2M | $-70.4M | $-444.2M | $-305.7M |
| Returns | |||||
| ROE | 2.9% | 2.9% | 3.2% | 2.6% | 4.4% |
| Valuation | |||||
| P/E | 9.68 | 9.68 | 5.37 | 6.42 | 3.77 |
| P/B | 0.28 | 0.28 | 0.17 | 0.17 | 0.17 |
| Growth & Yield | |||||
| Revenue Growth | 0.6% | 0.6% | 13.1% | -18.5% | — |
| EPS Growth | -0.3% | -0.3% | 33.0% | -37.0% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.9%
EPS terminal req.
$11.27
Spread vs growth
4.6%
5Y implied EPS CAGR
0.8%
EPS terminal req.
$13.63
Spread vs growth
-1.1%
10Y implied EPS CAGR
5.3%
EPS terminal req.
$21.96
Spread vs growth
-5.6%
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
+60.5%
Start / end P/E
6.1x → 9.7x
EPS bridge
13.16 → 13.11
Residual
-0.2%
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.