Financial Services / Banks - RegionalNasdaqGS
$29.67
-0.40 (-1.33%)
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 29.0/100
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
4/9
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
$1.5B
P/E
16.0x
↑EV/EBITDA
N/A
•ROE
5.1%
↓Gross Margin
N/A
•Debt/Equity
0.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+13.3%
FCF CAGR
+17.2%
FCF margin
26.7%
FCF / Net income
1.26x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $378.2M · net income $80.4M · FCF $101.0M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $378.2M | $378.2M | $264.1M | $269.1M | $315.4M | $301.7M | $308.2M | $271.5M | $216.1M | $181.3M | $161.2M | $141.0M | $94.2M | $57.3M | $55.3M | $51.9M | $48.7M | $51.1M |
| Net Income | $80.4M | $80.4M | $73.8M | $87.0M | $125.2M | $130.4M | $71.3M | $73.4M | $60.4M | $43.2M | $31.1M | $41.3M | $18.6M | $19.9M | $17.5M | $13.9M | $7.0M | $3.8M |
| EPS | 1.63 | 1.63 | 1.76 | 2.07 | 3.01 | 3.22 | 1.79 | 2.07 | 1.86 | 1.34 | 1.01 | 1.36 | 0.79 | 1.21 | 1.05 | 0.80 | 0.43 | 0.24 |
| Net Margin | 21.3% | 21.3% | 27.9% | 32.3% | 39.7% | 43.2% | 23.1% | 27.0% | 27.9% | 23.8% | 19.3% | 29.3% | 19.7% | 34.8% | 31.7% | 26.8% | 14.4% | 7.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.72 | 0.72 | 0.63 | 0.84 | 0.87 | — | — | 0.68 | 0.98 | 1.19 | 0.90 | 1.41 | 1.11 | 0.87 | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $101.0M | $101.0M | $56.9M | $85.5M | $173.5M | $199.5M | $78.9M | $59.2M | $87.0M | $128.5M | $47.0M | $42.4M | $28.6M | $22.2M | $20.2M | $17.8M | $17.3M | $7.9M |
| Returns | ||||||||||||||||||
| ROE | 5.1% | 5.1% | 5.9% | 7.2% | 10.6% | 11.6% | 7.8% | 10.0% | 9.8% | 7.6% | 5.9% | 8.7% | 4.2% | 11.8% | — | — | — | — |
| Valuation | ||||||||||||||||||
| P/E | 15.95 | 15.95 | 13.17 | 11.17 | 8.36 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.86 | 0.86 | 0.72 | 0.74 | 0.85 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 43.2% | 43.2% | -1.9% | -14.7% | — | -2.1% | 13.5% | 25.6% | 19.2% | 12.5% | 14.4% | 49.6% | 64.5% | 3.6% | 6.4% | 6.6% | -4.7% | — |
| EPS Growth | -7.4% | -7.4% | -15.0% | -31.2% | — | 79.9% | -13.5% | 11.3% | 38.8% | 32.7% | -25.7% | 72.2% | -34.7% | 15.2% | 31.3% | 86.0% | 79.2% | — |
| Dividend Yield | 2.6% | 2.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
17.3%
EPS terminal req.
$2.63
Spread vs growth
-24.7%
5Y implied EPS CAGR
14.3%
EPS terminal req.
$3.19
Spread vs growth
-21.7%
10Y implied EPS CAGR
12.1%
EPS terminal req.
$5.13
Spread vs growth
-19.5%
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
+31.8%
Start / end P/E
13.1x → 18.2x
EPS bridge
1.76 → 1.63
Residual
-2.9%
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.