Financial Services / Banks - RegionalOTC Markets OTCID
$114.90
+0.00 (+0.00%)
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 54.0/100
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
49/100
C
Piotroski
6/9
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
$113M
P/E
10.4x
↓EV/EBITDA
N/A
•ROE
11.8%
↑Gross Margin
N/A
•Debt/Equity
0.11
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.8%
FCF CAGR
-3.4%
FCF margin
24.3%
FCF / Net income
0.94x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $42.0M · net income $10.8M · FCF $10.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $42.0M | $42.0M | $38.0M | $39.2M | $37.6M |
| Net Income | $10.8M | $10.8M | $9.8M | $10.9M | $10.5M |
| EPS | 11.00 | 11.00 | 9.95 | 11.01 | 10.54 |
| Net Margin | 25.8% | 25.8% | 25.7% | 27.7% | 27.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.11 | 0.11 | 0.22 | 0.25 | 0.38 |
| Cash Flow | |||||
| Free Cash Flow | $10.2M | $10.2M | $5.5M | $10.8M | $11.3M |
| Returns | |||||
| ROE | 11.8% | 11.8% | 12.0% | 14.9% | 17.1% |
| Valuation | |||||
| P/E | 10.45 | 10.45 | 8.30 | 6.31 | 6.10 |
| P/B | 1.23 | 1.23 | 1.00 | 0.94 | 1.04 |
| Growth & Yield | |||||
| Revenue Growth | 10.5% | 10.5% | -3.0% | 4.4% | — |
| EPS Growth | 10.6% | 10.6% | -9.6% | 4.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.5%
EPS terminal req.
$10.20
Spread vs growth
13.1%
5Y implied EPS CAGR
2.3%
EPS terminal req.
$12.34
Spread vs growth
8.2%
10Y implied EPS CAGR
6.1%
EPS terminal req.
$19.87
Spread vs growth
4.5%
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
+32.1%
Start / end P/E
8.7x → 10.4x
EPS bridge
9.95 → 11.00
Residual
+2.1%
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.