Financial Services / Banks - RegionalNasdaqCM
$37.19
+0.40 (+1.09%)
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 60.0/100
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
52/100
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
$208M
P/E
11.7x
↓EV/EBITDA
N/A
•ROE
14.9%
↑Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+4.6%
FCF CAGR
—
FCF margin
33.1%
FCF / Net income
0.90x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $46.2M · net income $17.0M · FCF $15.3M
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 | $46.2M | $46.2M | $39.7M | $39.3M | $39.2M | $34.8M | $33.1M | $31.8M | $29.1M | $26.4M | $24.2M | $23.4M | $23.0M | $22.6M | $22.8M | $22.7M | $23.7M |
| Net Income | $17.0M | $17.0M | $12.8M | $13.4M | $13.7M | $13.1M | $10.8M | $8.8M | $8.4M | $6.2M | $5.5M | $4.8M | $5.1M | $5.1M | $4.4M | $3.6M | $3.9M |
| EPS | 3.03 | 3.03 | 2.28 | 2.43 | 2.53 | 2.45 | 2.03 | 1.68 | 1.61 | 1.21 | 1.07 | 0.96 | 1.03 | 1.03 | 0.88 | 0.73 | 0.82 |
| Net Margin | 36.7% | 36.7% | 32.2% | 34.2% | 35.0% | 37.8% | 32.5% | 27.8% | 28.8% | 23.6% | 22.6% | 20.6% | 22.3% | 22.5% | 19.3% | 15.8% | 16.7% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.43 | 0.43 | 0.87 | 0.76 | 0.19 | — | — | — | — | — | — | — | — | — | 0.14 | 0.44 | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $15.3M | $15.3M | $15.0M | $14.3M | $15.1M | $13.1M | — | — | — | — | — | — | — | — | — | — | — |
| Returns | |||||||||||||||||
| ROE | 14.9% | 14.9% | 13.0% | 15.1% | 18.3% | 15.5% | 13.9% | 12.8% | 13.4% | 10.8% | 10.1% | 9.4% | 10.5% | 11.0% | 10.2% | 8.8% | 10.1% |
| Valuation | |||||||||||||||||
| P/E | 11.73 | 11.73 | 7.30 | 7.41 | 8.30 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.83 | 1.83 | 0.94 | 1.11 | 1.51 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 16.4% | 16.4% | 1.0% | 0.3% | — | 5.2% | 4.1% | 9.1% | 10.1% | 9.0% | 3.6% | 2.0% | 1.4% | -0.8% | 0.3% | -4.0% | — |
| EPS Growth | 32.8% | 32.8% | -6.2% | -4.0% | — | 20.7% | 20.8% | 4.3% | 33.1% | 13.1% | 11.5% | -6.8% | 0.0% | 17.0% | 20.5% | -11.0% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.9%
EPS terminal req.
$3.30
Spread vs growth
29.9%
5Y implied EPS CAGR
5.7%
EPS terminal req.
$3.99
Spread vs growth
27.1%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$6.43
Spread vs growth
25.0%
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
+104.9%
Start / end P/E
8.1x → 12.3x
EPS bridge
2.28 → 3.03
Residual
+17.1%
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.