Financial Services / Banks - RegionalNasdaqCM
$18.12
-0.14 (-0.77%)
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 11.0/100
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
42/100
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
$159M
P/E
15.6x
↑EV/EBITDA
N/A
•ROE
4.5%
↓Gross Margin
N/A
•Debt/Equity
1.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2025 · 4 años de histórico normalizado
Revenue CAGR
+10.4%
FCF CAGR
+9.2%
FCF margin
27.1%
FCF / Net income
1.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $33.2M · net income $7.8M · FCF $9.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | $33.2M | $33.2M | $26.2M | $25.8M | $25.0M | $22.4M |
| Net Income | $7.8M | $7.8M | $4.0M | $4.5M | $2.7M | $4.0M |
| EPS | 0.94 | 0.94 | 0.48 | 0.52 | 0.32 | — |
| Net Margin | 23.4% | 23.4% | 15.2% | 17.2% | 10.9% | 18.1% |
| Balance Sheet | ||||||
| Debt/Equity | 1.66 | 1.66 | 1.39 | 1.42 | 1.07 | — |
| Cash Flow | ||||||
| Free Cash Flow | $9.0M | $9.0M | $6.2M | $6.1M | $7.6M | $6.3M |
| Returns | ||||||
| ROE | 4.5% | 4.5% | 2.4% | 2.7% | 1.7% | 5.2% |
| Valuation | ||||||
| P/E | 15.62 | 15.62 | 31.04 | 24.38 | 51.00 | — |
| P/B | 0.88 | 0.88 | 0.74 | 0.66 | 0.85 | — |
| Growth & Yield | ||||||
| Revenue Growth | 26.8% | 26.8% | 1.4% | 3.2% | — | — |
| EPS Growth | 95.8% | 95.8% | -7.7% | 62.5% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.6%
EPS terminal req.
$1.61
Spread vs growth
76.2%
5Y implied EPS CAGR
15.7%
EPS terminal req.
$1.95
Spread vs growth
80.2%
10Y implied EPS CAGR
12.8%
EPS terminal req.
$3.13
Spread vs growth
83.0%
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
+11.5%
Start / end P/E
33.9x → 19.3x
EPS bridge
0.48 → 0.94
Residual
-41.3%
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.