Financial Services / Banks - RegionalNYSE
$34.79
+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 52.0/100
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
33/100
D
Piotroski
7/9
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
$908M
P/E
N/A
•EV/EBITDA
N/A
•ROE
13.1%
↑Gross Margin
N/A
•Debt/Equity
0.13
↓Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
-9.2%
FCF CAGR
-1.9%
FCF margin
178.1%
FCF / Net income
1.19x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $51.8M · net income $77.5M · FCF $92.3M
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 | $51.8M | $51.8M | $38.7M | $46.7M | $47.9M | $43.1M | $212.4M | $216.4M | $198.3M | $182.6M | $167.1M | $156.0M | $149.8M | $140.3M | $128.4M | $136.4M | $160.8M | $242.2M |
| Net Income | $77.5M | $77.5M | $53.4M | $58.7M | $73.9M | $79.9M | $37.3M | $58.3M | $59.5M | $41.2M | $47.0M | $45.9M | $40.5M | $172.1M | $47.4M | $36.6M | $-251.0M | $-313.7M |
| EPS | 2.86 | 2.86 | 1.97 | 2.17 | 2.68 | 2.83 | 1.32 | 2.03 | 2.01 | 1.34 | 1.50 | 1.40 | 1.07 | 4.07 | 1.13 | 3.31 | -171.13 | -220.56 |
| Net Margin | 149.5% | 149.5% | 137.9% | 125.7% | 154.3% | 185.5% | 17.5% | 27.0% | 30.0% | 22.6% | 28.1% | 29.4% | 27.0% | 122.7% | 36.9% | 26.8% | -156.1% | -129.5% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.13 | 0.13 | 0.29 | 0.31 | 0.23 | 0.19 | 0.00 | 0.19 | 0.25 | 0.19 | 0.18 | 0.19 | 0.16 | 0.14 | 0.21 | 0.35 | 6.96 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $92.3M | $92.3M | $75.4M | $92.5M | $95.7M | $88.3M | $50.8M | $65.0M | $100.3M | $90.3M | — | — | — | — | — | $22.4M | $219.5M | $124.9M |
| Returns | ||||||||||||||||||
| ROE | 13.1% | 13.1% | 9.9% | 11.6% | 16.3% | 14.3% | 6.8% | 11.0% | 12.1% | 8.2% | 9.3% | 9.3% | 7.1% | 26.1% | 9.4% | 8.0% | -379.9% | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 33.8% | 33.8% | -17.0% | -2.6% | 11.3% | -79.7% | -1.8% | 9.1% | 8.6% | 9.2% | 7.1% | 4.2% | 6.8% | 9.2% | -5.9% | -15.1% | -33.6% | — |
| EPS Growth | 45.2% | 45.2% | -9.2% | -19.0% | -5.3% | 114.4% | -35.0% | 1.0% | 50.0% | -10.7% | 7.1% | 30.8% | -73.7% | 260.2% | -65.9% | 101.9% | 22.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.6%
EPS terminal req.
$3.09
Spread vs growth
42.6%
5Y implied EPS CAGR
5.5%
EPS terminal req.
$3.74
Spread vs growth
39.7%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$6.02
Spread vs growth
37.5%
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.
Unavailable: positive start/end prices are required.