Financial Services / Banks - RegionalNasdaqCM
$39.46
+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 40.0/100
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
5/9
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
$214M
P/E
10.4x
↓EV/EBITDA
N/A
•ROE
4.3%
↓Gross Margin
N/A
•Debt/Equity
0.37
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+5.7%
FCF CAGR
+8.7%
FCF margin
36.6%
FCF / Net income
2.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $66.5M · net income $8.2M · FCF $24.3M
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 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $66.5M | $66.5M | $64.8M | $63.1M | $61.3M | $236000.00 | $38.9M | $35.5M | $31.9M | $28.4M | $25.8M | $24.5M | $24.9M | $25.0M | $26.6M | $27.6M | $27.8M | $27.5M |
| Net Income | $8.2M | $8.2M | $15.3M | $9.4M | $14.5M | $11.0M | $11.2M | $9.8M | $9.0M | $7.8M | $6.4M | $6.9M | $7.1M | $7.2M | $6.5M | $4.3M | $3.6M | $3.4M |
| EPS | 1.59 | 1.59 | 4.32 | 2.66 | 4.17 | 3.20 | 3.27 | 2.84 | 2.60 | 2.24 | 1.81 | 1.97 | 2.08 | 2.11 | 1.96 | 1.31 | 1.11 | 1.08 |
| Net Margin | 12.4% | 12.4% | 23.7% | 14.8% | 23.7% | 4669.9% | 28.7% | 27.5% | 28.2% | 27.5% | 24.7% | 28.2% | 28.7% | 28.6% | 24.7% | 15.7% | 13.0% | 12.5% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.37 | 0.37 | 1.26 | 1.79 | 2.01 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $24.3M | $24.3M | $17.7M | $5.8M | $13.0M | $15.9M | $10.6M | $10.0M | $-2.0M | $9.0M | $9.4M | $4.3M | $4.3M | $6.7M | $9.2M | $10.8M | $7.6M | $6.4M |
| Returns | ||||||||||||||||||
| ROE | 4.3% | 4.3% | 12.9% | 8.6% | 14.3% | 10.0% | 10.6% | 10.1% | 10.3% | 9.3% | 8.0% | 8.8% | 9.8% | 10.8% | 10.3% | 7.4% | 6.7% | 6.7% |
| Valuation | ||||||||||||||||||
| P/E | 10.36 | 10.36 | 8.39 | 11.26 | 8.61 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.08 | 1.08 | 1.08 | 0.97 | 1.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 2.6% | 2.6% | 2.7% | 3.0% | — | -99.4% | 9.7% | 11.1% | 12.6% | 10.0% | 5.3% | -1.4% | -0.7% | -5.8% | -3.6% | -0.8% | 1.2% | — |
| EPS Growth | -63.2% | -63.2% | 62.4% | -36.2% | — | -2.1% | 15.1% | 9.2% | 16.1% | 23.8% | -8.1% | -5.3% | -1.4% | 7.7% | 49.6% | 18.0% | 2.8% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
30.1%
EPS terminal req.
$3.50
Spread vs growth
-93.3%
5Y implied EPS CAGR
21.7%
EPS terminal req.
$4.24
Spread vs growth
-84.8%
10Y implied EPS CAGR
15.7%
EPS terminal req.
$6.82
Spread vs growth
-78.9%
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
+28.5%
Start / end P/E
7.3x → 24.8x
EPS bridge
4.32 → 1.59
Residual
-152.0%
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.