Financial Services / Banks - RegionalNasdaqGM
$21.85
-0.34 (-1.53%)
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 27.0/100
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
46/100
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
$174M
P/E
10.9x
↓EV/EBITDA
N/A
•ROE
7.7%
↑Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+13.7%
FCF CAGR
+7.4%
FCF margin
31.4%
FCF / Net income
1.91x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $90.2M · net income $14.8M · FCF $28.3M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $90.2M | $90.2M | $79.6M | $83.3M | $87.5M | $49.7M | $49.7M | $46.5M | $34.8M | $27.9M | $23.9M | $20.5M | — | $14.8M | $14.1M | $15.0M |
| Net Income | $14.8M | $14.8M | $9.8M | $10.1M | $10.7M | $14.4M | $21.2M | $10.9M | $5.0M | $4.1M | $5.1M | $2.6M | — | $2.0M | $2.2M | $2.4M |
| EPS | 1.90 | 1.90 | 1.24 | 1.29 | 1.45 | 2.17 | 3.11 | 1.69 | 0.91 | 0.99 | 1.32 | 0.67 | — | 0.50 | 0.56 | 0.62 |
| Net Margin | 16.5% | 16.5% | 12.3% | 12.1% | 12.2% | 29.0% | 42.7% | 23.4% | 14.3% | 14.7% | 21.5% | 12.6% | — | 13.3% | 15.5% | 16.1% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.43 | 0.43 | 1.14 | 1.39 | 0.81 | 0.19 | 0.19 | 0.21 | 0.26 | 0.30 | 0.25 | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $28.3M | $28.3M | $14.5M | $-4.8M | $25.1M | $44.2M | $-18.5M | $-10.2M | $6.5M | $16.5M | $10.6M | — | — | — | $-1.7M | $10.4M |
| Returns | ||||||||||||||||
| ROE | 7.7% | 7.7% | 5.6% | 5.9% | 6.8% | 9.2% | 13.9% | 8.9% | 5.3% | 4.9% | 8.6% | 4.7% | — | 4.0% | 4.1% | 4.6% |
| Valuation | ||||||||||||||||
| P/E | 10.93 | 10.93 | 12.02 | 12.09 | 11.45 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.89 | 0.89 | 0.67 | 0.72 | 0.77 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 13.2% | 13.2% | -4.4% | -4.8% | — | 0.2% | 6.8% | 33.5% | 25.1% | 16.5% | 16.8% | — | — | 5.0% | -5.8% | — |
| EPS Growth | 53.2% | 53.2% | -3.9% | -11.0% | — | -30.2% | 84.0% | 85.7% | -8.1% | -25.0% | 97.0% | — | — | -10.7% | -9.7% | — |
| Dividend Yield | 2.6% | 2.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.7%
EPS terminal req.
$1.94
Spread vs growth
52.5%
5Y implied EPS CAGR
4.3%
EPS terminal req.
$2.35
Spread vs growth
48.9%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$3.78
Spread vs growth
46.1%
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
+31.4%
Start / end P/E
13.7x → 11.5x
EPS bridge
1.24 → 1.90
Residual
-8.5%
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.