Financial Services / Banks - RegionalNasdaqCM
$18.50
+0.12 (+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 18.0/100
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
29/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
12/100
SEC 0%
Sin guardar todavía.
Market Cap
$78M
P/E
18.0x
↑EV/EBITDA
N/A
•ROE
4.4%
↓Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2025 · 2 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
-16.3%
FCF / Net income
-0.84x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $18.8M · net income $3.7M · FCF $-3.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $18.8M | $18.8M | $17.1M | — |
| Net Income | $3.7M | $3.7M | $3.8M | $1.6M |
| EBITDA | — | — | $11.6M | $5.2M |
| EPS | 0.96 | 0.96 | 2.19 | 0.40 |
| Gross Margin | — | — | -40.7% | — |
| Operating Margin | — | — | -62.2% | — |
| Net Margin | 19.4% | 19.4% | 22.0% | — |
| Cash Flow | ||||
| Free Cash Flow | $-3.1M | $-3.1M | $3.4M | $4.2M |
| Returns | ||||
| ROE | 4.4% | 4.4% | 4.8% | 4.3% |
| Valuation | ||||
| P/E | 17.96 | 17.96 | 4.64 | — |
| EV/EBITDA | — | — | 0.52 | — |
| P/B | 0.85 | 0.85 | 0.22 | — |
| Growth & Yield | ||||
| Revenue Growth | 10.3% | 10.3% | — | — |
| EPS Growth | -56.2% | -56.2% | 449.6% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
19.6%
EPS terminal req.
$1.64
Spread vs growth
-75.7%
5Y implied EPS CAGR
15.7%
EPS terminal req.
$1.99
Spread vs growth
-71.8%
10Y implied EPS CAGR
12.8%
EPS terminal req.
$3.20
Spread vs growth
-69.0%
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
+27.1%
Start / end P/E
6.6x → 19.3x
EPS bridge
2.19 → 0.96
Residual
-106.7%
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.