Financial Services / Banks - RegionalNasdaqCM
$26.66
-0.63 (-2.31%)
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 32.0/100
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
29/100
D
Piotroski
4/9
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
$813M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-12.2%
↓Gross Margin
N/A
•Debt/Equity
0.10
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.2%
FCF CAGR
—
FCF margin
6.9%
FCF / Net income
-0.15x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $299.2M · net income $-138.1M · FCF $20.8M
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 | $299.2M | $299.2M | $308.6M | $312.1M | $356.5M | $364.5M | $390.0M | $429.6M | $393.3M | $324.0M | $285.8M | $253.2M | $191.6M | $157.3M | $141.9M | $119.1M | $96.7M | $84.3M |
| Net Income | $-138.1M | $-138.1M | $-47.0M | $100.5M | $140.9M | $176.7M | $132.2M | $142.9M | $152.3M | $100.2M | $97.7M | $84.2M | $54.3M | $47.0M | $35.3M | $24.6M | $16.7M | $10.4M |
| EPS | — | — | -1.57 | 3.30 | 4.39 | 5.52 | 4.09 | 4.18 | 4.42 | 2.92 | 2.86 | 2.50 | 1.95 | 1.76 | 1.46 | 1.04 | 0.70 | 0.50 |
| Net Margin | -46.1% | -46.1% | -15.2% | 32.2% | 39.5% | 48.5% | 33.9% | 33.3% | 38.7% | 30.9% | 34.2% | 33.2% | 28.3% | 29.9% | 24.9% | 20.6% | 17.2% | 12.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.10 | 0.10 | 0.48 | 1.09 | 0.87 | 0.05 | 0.22 | 0.18 | 0.20 | 0.23 | 0.26 | 0.09 | 0.19 | 0.10 | 0.11 | 0.18 | 0.24 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $20.8M | $20.8M | $123.4M | $195.6M | $192.8M | $233.2M | $130.2M | $129.8M | $164.0M | $155.2M | $109.4M | $93.9M | $54.3M | $253.3M | $9.8M | $-61.7M | $-45.8M | — |
| Returns | ||||||||||||||||||
| ROE | -12.2% | -12.2% | -3.8% | 7.9% | 11.5% | 13.1% | 10.7% | 12.0% | 13.7% | 10.5% | 11.6% | 11.4% | 8.7% | 11.9% | 10.1% | 9.2% | 8.1% | 5.5% |
| Valuation | ||||||||||||||||||
| P/E | — | — | — | 8.87 | 10.30 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.72 | 0.72 | 0.63 | 0.70 | 1.18 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -3.1% | -3.1% | -1.1% | -12.5% | — | -6.5% | -9.2% | 9.2% | 21.4% | 13.4% | 12.9% | 32.2% | 21.8% | 10.8% | 19.2% | 23.2% | 14.6% | — |
| EPS Growth | — | — | -147.7% | -24.8% | — | 35.0% | -2.2% | -5.4% | 51.4% | 2.1% | 14.4% | 28.2% | 10.8% | 20.5% | 40.4% | 48.6% | 40.0% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+52.2%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.57 → n/d
Residual
+51.5%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.