Financial Services / Banks - RegionalNYSE
$36.91
-0.51 (-1.36%)
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 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
51/100
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
$1.6B
P/E
13.9x
↑EV/EBITDA
N/A
•ROE
7.5%
↑Gross Margin
N/A
•Debt/Equity
0.56
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+15.8%
FCF CAGR
—
FCF margin
40.3%
FCF / Net income
1.65x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $452.9M · net income $110.7M · FCF $182.4M
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 | $452.9M | $452.9M | $314.1M | $352.8M | $418.0M | $16.0M | $5.6M | $5.8M | $169.0M | $149.8M | $137.7M | $106.2M | $74.9M | $58.4M | $54.5M | $50.4M | $44.9M | $43.4M |
| Net Income | $110.7M | $110.7M | $29.1M | $96.1M | $152.6M | $104.0M | $42.3M | $36.2M | $39.2M | $20.5M | $35.5M | $21.1M | $13.8M | $13.1M | $12.8M | $10.4M | $9.2M | $8.8M |
| EPS | 2.36 | 2.36 | 0.55 | 2.29 | 3.73 | 2.45 | 1.74 | 1.55 | 1.97 | 1.04 | 2.00 | 1.43 | 1.18 | 1.36 | 1.48 | 1.54 | 1.45 | 1.41 |
| Net Margin | 24.4% | 24.4% | 9.3% | 27.2% | 36.5% | 650.1% | 759.6% | 623.4% | 23.2% | 13.7% | 25.8% | 19.9% | 18.4% | 22.4% | 23.4% | 20.5% | 20.4% | 20.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.56 | 0.56 | 0.70 | 1.28 | 1.19 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $182.4M | $182.4M | $92.8M | $85.2M | $291.4M | — | $54.8M | $65.2M | $53.1M | $44.8M | $40.0M | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 7.5% | 7.5% | 2.1% | 7.8% | 13.0% | 8.7% | 6.0% | 6.1% | 6.5% | 4.8% | 8.7% | 6.2% | 7.9% | 8.2% | 10.8% | 9.7% | 13.9% | 14.2% |
| Valuation | ||||||||||||||||||
| P/E | 13.88 | 13.88 | 56.16 | 11.37 | 8.72 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.08 | 1.08 | 0.88 | 0.82 | 1.08 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 44.2% | 44.2% | -11.0% | -15.6% | — | 187.2% | -4.0% | -96.6% | 12.8% | 8.8% | 29.6% | 41.8% | 28.2% | 7.2% | 8.1% | 12.3% | 3.5% | — |
| EPS Growth | 329.1% | 329.1% | -76.0% | -38.6% | — | 40.8% | 12.3% | -21.3% | 89.4% | -48.0% | 39.9% | 21.2% | -13.2% | -8.1% | -3.9% | 6.2% | 2.8% | — |
| Dividend Yield | 2.7% | 2.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
11.5%
EPS terminal req.
$3.28
Spread vs growth
317.5%
5Y implied EPS CAGR
10.9%
EPS terminal req.
$3.96
Spread vs growth
318.2%
10Y implied EPS CAGR
10.5%
EPS terminal req.
$6.38
Spread vs growth
318.6%
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
+46.6%
Start / end P/E
46.7x → 15.6x
EPS bridge
0.55 → 2.36
Residual
-218.8%
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.