Financial Services / Banks - RegionalNasdaqCM
$65.03
+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 43.0/100
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
49/100
C
Piotroski
6/9
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
$312M
P/E
7.9x
↓EV/EBITDA
N/A
•ROE
10.8%
↑Gross Margin
N/A
•Debt/Equity
0.87
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+6.9%
FCF CAGR
—
FCF margin
31.4%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $112.3M · net income $36.6M · FCF $35.2M
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 | $112.3M | $112.3M | $100.8M | $91.9M | $81.9M | $7.7M | $6.7M | $6.9M | $6.5M | $48.1M | $43.0M | $35.7M | $35.3M | $36.2M | $38.1M | $38.3M | $39.0M | $38.6M |
| Net Income | $36.6M | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M | $25.1M | $19.5M | $18.0M | $13.0M | $12.6M | $11.6M | $13.4M | $13.4M | $14.2M | $12.8M | $11.5M | $9.9M |
| EPS | 7.62 | 7.62 | 5.79 | 3.98 | 7.10 | 7.17 | 6.33 | 5.25 | 4.89 | 3.56 | 3.47 | 3.46 | 4.19 | 4.21 | 4.42 | 3.96 | 3.53 | 3.02 |
| Net Margin | 32.6% | 32.6% | 27.6% | 19.4% | 35.5% | 376.3% | 376.9% | 281.4% | 276.9% | 27.1% | 29.4% | 32.6% | 37.9% | 36.9% | 37.3% | 33.5% | 29.5% | 25.5% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.87 | 0.87 | 0.94 | 1.02 | 1.29 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $35.2M | $35.2M | $31.9M | $23.9M | $31.6M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 10.8% | 10.8% | 9.3% | 6.4% | 14.5% | 13.7% | 12.9% | 12.6% | 13.0% | 10.1% | 10.3% | 9.7% | 13.3% | 14.5% | 15.9% | 15.8% | 16.7% | 16.0% |
| Valuation | ||||||||||||||||||
| P/E | 7.94 | 7.94 | 10.83 | 15.45 | 10.48 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.92 | 0.92 | 1.00 | 0.98 | 1.52 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 11.5% | 11.5% | 9.7% | 12.2% | — | 16.2% | -3.8% | 6.4% | -86.5% | 11.8% | 20.6% | 1.0% | -2.6% | -4.9% | -0.5% | -1.8% | 1.0% | — |
| EPS Growth | 31.6% | 31.6% | 45.5% | -44.0% | — | 13.2% | 20.6% | 7.3% | 37.3% | 2.8% | 0.2% | -17.4% | -0.5% | -4.8% | 11.7% | 12.0% | 16.9% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-8.9%
EPS terminal req.
$5.77
Spread vs growth
40.4%
5Y implied EPS CAGR
-1.7%
EPS terminal req.
$6.98
Spread vs growth
33.3%
10Y implied EPS CAGR
4.0%
EPS terminal req.
$11.24
Spread vs growth
27.6%
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
+9.4%
Start / end P/E
10.6x → 8.5x
EPS bridge
5.79 → 7.62
Residual
-6.0%
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.