Financial Services / Banks - RegionalTallinn
$2.31
+0.02 (+0.65%)
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 58.0/100
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
31/100
D
Piotroski
1/9
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
$239M
P/E
8.6x
↓EV/EBITDA
N/A
•ROE
12.2%
↑Gross Margin
N/A
•Debt/Equity
1.40
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.3%
FCF CAGR
—
FCF margin
-92.1%
FCF / Net income
-2.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $79.4M · net income $28.7M · FCF $-73.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $79.4M | $79.4M | $81.9M | $85.3M | $54.6M |
| Net Income | $28.7M | $28.7M | $32.2M | $39.2M | $20.4M |
| EPS | 0.27 | 0.27 | 0.31 | 0.38 | 0.21 |
| Net Margin | 36.2% | 36.2% | 39.3% | 46.0% | 37.2% |
| Balance Sheet | |||||
| Debt/Equity | 1.40 | 1.40 | 0.36 | 0.35 | 0.37 |
| Cash Flow | |||||
| Free Cash Flow | $-73.1M | $-73.1M | $-89.4M | $71.3M | $84.0M |
| Returns | |||||
| ROE | 12.2% | 12.2% | 15.2% | 21.1% | 13.6% |
| Valuation | |||||
| P/E | 8.56 | 8.56 | 6.52 | 6.51 | 11.72 |
| P/B | 1.04 | 1.04 | 1.00 | 1.39 | 1.58 |
| Growth & Yield | |||||
| Revenue Growth | -3.1% | -3.1% | -4.0% | 56.1% | — |
| EPS Growth | -12.9% | -12.9% | -18.4% | 81.0% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-8.8%
EPS terminal req.
$0.20
Spread vs growth
-4.1%
5Y implied EPS CAGR
-1.7%
EPS terminal req.
$0.25
Spread vs growth
-11.2%
10Y implied EPS CAGR
4.0%
EPS terminal req.
$0.40
Spread vs growth
-16.9%
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
+8.3%
Start / end P/E
7.1x → 8.6x
EPS bridge
0.31 → 0.27
Residual
-2.7%
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.