Financial Services / Banks - RegionalNasdaqCM
$31.00
-0.40 (-1.27%)
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 41.0/100
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
42/100
C
Piotroski
5/9
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
$464M
P/E
7.3x
↓EV/EBITDA
N/A
•ROE
6.1%
↓Gross Margin
N/A
•Debt/Equity
0.67
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+12.9%
FCF CAGR
+7.1%
FCF margin
15.6%
FCF / Net income
0.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $161.7M · net income $28.2M · FCF $25.2M
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 | $161.7M | $161.7M | $92.4M | $80.8M | $81.4M | $64.6M | $55.7M | $32.5M | $24.5M | $22.0M | $20.3M | $19.4M | $19.0M | $19.0M | $20.2M | $21.5M | $22.0M | $23.1M |
| Net Income | $28.2M | $28.2M | $26.7M | $21.3M | $23.6M | $22.0M | $15.6M | $7.2M | $7.3M | $6.2M | $6.1M | $5.7M | $5.7M | $5.1M | $4.3M | $3.5M | $2.7M | $1.5M |
| EPS | 2.01 | 2.01 | 3.25 | 2.82 | 3.15 | 2.86 | 2.07 | 1.58 | 2.02 | 1.70 | 1.68 | 1.58 | 1.56 | 1.40 | 1.17 | 0.97 | 0.75 | 0.41 |
| Net Margin | 17.4% | 17.4% | 28.9% | 26.3% | 29.0% | 34.1% | 28.0% | 22.1% | 29.9% | 28.0% | 30.0% | 29.7% | 30.0% | 26.8% | 21.1% | 16.4% | 12.3% | 6.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.67 | 0.67 | 0.81 | 1.20 | 0.50 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $25.2M | $25.2M | $45.4M | $42.1M | $43.2M | $34.9M | $6.6M | $8.4M | $5.7M | $6.4M | $9.1M | $2.9M | $6.7M | $9.6M | $8.7M | $12.0M | $7.7M | $8.4M |
| Returns | ||||||||||||||||||
| ROE | 6.1% | 6.1% | 10.3% | 10.9% | 14.0% | 9.9% | 6.9% | 3.7% | 9.1% | 8.1% | 8.5% | 8.2% | 8.6% | 8.3% | 7.0% | 6.1% | 5.0% | 2.8% |
| Valuation | ||||||||||||||||||
| P/E | 7.35 | 7.35 | 10.80 | 10.01 | 8.81 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.93 | 0.93 | 1.11 | 1.09 | 1.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 75.0% | 75.0% | 14.4% | -0.7% | — | 16.0% | 71.6% | 32.4% | 11.3% | 8.5% | 5.0% | 1.8% | -0.0% | -6.0% | -5.8% | -2.2% | -4.9% | — |
| EPS Growth | -38.2% | -38.2% | 15.2% | -10.5% | — | 38.2% | 31.0% | -21.8% | 18.8% | 1.2% | 6.3% | 1.3% | 11.7% | 19.4% | 20.6% | 28.9% | 84.4% | — |
| Dividend Yield | 3.7% | 3.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
11.0%
EPS terminal req.
$2.75
Spread vs growth
-49.2%
5Y implied EPS CAGR
10.6%
EPS terminal req.
$3.33
Spread vs growth
-48.8%
10Y implied EPS CAGR
10.3%
EPS terminal req.
$5.36
Spread vs growth
-48.5%
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
+8.5%
Start / end P/E
9.1x → 15.4x
EPS bridge
3.25 → 2.01
Residual
-26.5%
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.