Financial Services / Banks - RegionalNasdaqGM
$19.90
-0.50 (-2.45%)
Book/ROE base 3Y
$14.59
-9.8% CAGR · P/B 0.7x
Book/ROE base 5Y
$16.13
-4.1% base · -0.6% expected
Precio de entrada
$7.63
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $18.97 · quality 31.0/100
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
39/100
D
Piotroski
6/9
balance/quality
Valuation
13/100
-37.1% upside
5Y CAGR
-0.6%
48/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$192M
P/E
14.7x
↑EV/EBITDA
N/A
•ROE
7.7%
↑Gross Margin
N/A
•Debt/Equity
0.28
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.5%
FCF CAGR
+18.3%
FCF margin
16.7%
FCF / Net income
0.72x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $62.3M · net income $14.4M · FCF $10.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC | 2016SEC | 2015SEC | 2014SEC | 2013SEC | 2012SEC | 2011SEC | 2010SEC | 2009SEC |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $62.3M | $62.3M | $56.3M | $58.5M | $67.2M | $64.0M | $64.5M | $60.4M | — | $27.9M | $25.1M | $23.0M | $24.0M | $24.6M | $27.1M | $29.8M | $32.8M | $30.9M |
| Net Income | $14.4M | $14.4M | $13.8M | $13.1M | $17.8M | $21.3M | $12.7M | $9.5M | $4.3M | $2.5M | $2.6M | $2.8M | $2.5M | $1.0M | $206000.00 | $193000.00 | $-7.1M | $-3.2M |
| EPS | 1.46 | 1.46 | 1.34 | 1.25 | 1.69 | 1.98 | 1.14 | 0.85 | 0.58 | 0.46 | 0.49 | 0.54 | 0.48 | 0.20 | 0.04 | 0.04 | -1.39 | -0.59 |
| Net Margin | 23.1% | 23.1% | 24.4% | 22.3% | 26.4% | 33.2% | 19.7% | 15.7% | — | 9.0% | 10.3% | 12.2% | 10.4% | 4.3% | 0.8% | 0.6% | -21.6% | -10.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.28 | 0.28 | 0.37 | 0.85 | 1.29 | — | — | — | — | 1.64 | 1.09 | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $10.4M | $10.4M | $19.5M | $11.8M | $25.7M | $17.8M | $21.2M | $6.1M | $7.9M | $1.3M | $4.7M | $5.4M | $7.4M | $6.2M | $8.6M | $9.4M | $5.5M | $708000.00 |
| Returns | ||||||||||||||||||
| ROE | 7.7% | 7.7% | 7.7% | 7.5% | 10.6% | 12.4% | 7.9% | 6.3% | 3.2% | 3.4% | 4.0% | 4.6% | 4.3% | 1.9% | 0.4% | 0.4% | -14.2% | -5.7% |
| Valuation | ||||||||||||||||||
| P/E | 14.66 | 14.66 | 15.97 | 17.12 | 12.66 | 10.81 | 18.77 | 25.18 | 36.90 | 46.52 | 43.67 | 39.63 | 44.58 | 107.00 | 535.00 | 535.00 | — | — |
| P/B | 1.13 | 1.13 | 1.23 | 1.29 | 1.35 | 0.00 | 0.00 | 1.58 | 1.16 | 1.57 | 1.74 | 1.81 | 1.90 | 2.03 | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 10.7% | 10.7% | -3.8% | -12.9% | 4.9% | -0.8% | 6.8% | — | — | 11.1% | 9.0% | -4.3% | -2.2% | -9.3% | -9.0% | -9.1% | 5.9% | — |
| EPS Growth | 9.0% | 9.0% | 7.2% | -26.0% | -14.6% | 73.7% | 34.1% | 46.6% | 26.1% | -6.1% | -9.3% | 12.5% | 140.0% | 400.0% | 0.0% | 102.9% | -135.6% | — |
| Dividend Yield | 1.0% | 1.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.5%
EPS terminal req.
$1.77
Spread vs growth
2.4%
5Y implied EPS CAGR
7.9%
EPS terminal req.
$2.14
Spread vs growth
1.0%
10Y implied EPS CAGR
9.0%
EPS terminal req.
$3.44
Spread vs growth
0.0%
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
+35.2%
Start / end P/E
11.1x → 13.6x
EPS bridge
1.34 → 1.46
Residual
+2.1%
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.