Financial Services / Banks - RegionalNasdaqCM
$23.90
-0.11 (-0.46%)
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 46.0/100
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
58/100
C
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
$649M
P/E
11.1x
↓EV/EBITDA
N/A
•ROE
9.3%
↑Gross Margin
N/A
•Debt/Equity
0.35
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.2%
FCF CAGR
—
FCF margin
30.2%
FCF / Net income
1.14x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $144.2M · net income $38.2M · FCF $43.6M
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 | $144.2M | $144.2M | $114.2M | $87.7M | $83.2M | $73.9M | $66.0M | $66.3M | $64.2M | $57.4M | $46.7M | $41.8M | $41.0M | $34.8M | $31.8M | $34.3M | $36.0M | $40.7M |
| Net Income | $38.2M | $38.2M | $7.7M | $25.5M | $26.6M | $28.4M | $20.3M | $21.4M | $21.3M | $14.0M | $15.2M | $11.0M | $5.3M | $8.3M | $7.5M | $6.5M | $3.3M | $2.6M |
| EPS | 2.00 | 2.00 | 0.45 | 2.17 | 2.27 | 2.31 | 1.62 | 1.59 | 1.54 | 1.10 | 1.33 | 1.00 | 0.48 | 0.77 | 0.75 | 0.63 | 0.31 | 0.28 |
| Net Margin | 26.5% | 26.5% | 6.7% | 29.1% | 32.0% | 38.5% | 30.8% | 32.3% | 33.2% | 24.4% | 32.5% | 26.2% | 12.9% | 23.7% | 23.6% | 18.9% | 9.1% | 6.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.35 | 0.35 | 0.56 | 0.72 | 0.66 | — | — | — | — | — | — | — | — | — | — | 0.04 | 0.04 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.6M | $43.6M | $17.2M | $17.7M | $23.3M | $41.8M | $15.5M | $20.8M | $29.1M | $24.4M | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 9.3% | 9.3% | 2.1% | 12.3% | 15.3% | 11.5% | 8.3% | 9.4% | 9.7% | 6.7% | 9.3% | 7.9% | 4.0% | 6.9% | 6.4% | 6.0% | 3.4% | 2.8% |
| Valuation | ||||||||||||||||||
| P/E | 11.06 | 11.06 | 42.53 | 10.06 | 9.25 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.11 | 1.11 | 0.91 | 1.24 | 1.41 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 26.3% | 26.3% | 30.2% | 5.4% | — | 11.9% | -0.5% | 3.3% | 11.9% | 22.9% | 11.6% | 1.9% | 17.8% | 9.5% | -7.2% | -4.8% | -11.6% | — |
| EPS Growth | 344.4% | 344.4% | -79.3% | -4.4% | — | 42.6% | 1.9% | 3.2% | 40.0% | -17.3% | 33.0% | 108.3% | -37.7% | 2.7% | 19.0% | 103.2% | 10.7% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.0%
EPS terminal req.
$2.12
Spread vs growth
342.5%
5Y implied EPS CAGR
5.1%
EPS terminal req.
$2.57
Spread vs growth
339.3%
10Y implied EPS CAGR
7.5%
EPS terminal req.
$4.13
Spread vs growth
336.9%
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
+36.3%
Start / end P/E
39.6x → 11.9x
EPS bridge
0.45 → 2.00
Residual
-240.4%
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.