Financial Services / Banks - RegionalNYSE
$45.65
-0.45 (-0.98%)
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 42.0/100
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
32/100
D
Piotroski
3/9
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
$942M
P/E
38.7x
↑EV/EBITDA
N/A
•ROE
3.1%
↓Gross Margin
N/A
•Debt/Equity
0.54
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+13.2%
FCF CAGR
—
FCF margin
18.4%
FCF / Net income
1.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $207.0M · net income $22.7M · FCF $38.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $207.0M | $207.0M | $215.8M | $137.0M | $194.9M | $157.4M | $155.6M | $175.5M | $161.6M | $102.7M | $61.8M | $53.0M | $46.8M | $46.8M |
| Net Income | $22.7M | $22.7M | $62.6M | $7.8M | $57.7M | $52.5M | $-75.0M | $25.6M | $35.8M | $20.6M | $9.4M | $10.3M | $9.0M | $7.9M |
| EPS | 1.23 | 1.23 | 4.00 | 0.50 | 3.51 | 3.43 | -4.97 | 1.61 | 2.28 | 1.62 | 1.07 | 1.54 | 1.30 | 0.92 |
| Net Margin | 11.0% | 11.0% | 29.0% | 5.7% | 29.6% | 33.3% | -48.2% | 14.6% | 22.2% | 20.1% | 15.2% | 19.4% | 19.2% | 16.8% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 0.54 | 0.54 | 0.46 | 0.74 | 0.57 | 0.32 | 0.35 | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $38.1M | $38.1M | $65.4M | $60.4M | $70.6M | $97.6M | $34.1M | $41.6M | $27.8M | $20.8M | $12.8M | — | — | — |
| Returns | ||||||||||||||
| ROE | 3.1% | 3.1% | 10.6% | 1.7% | 14.1% | 10.5% | -18.4% | 5.4% | 7.9% | 5.5% | 3.6% | 6.2% | 7.6% | 5.6% |
| Valuation | ||||||||||||||
| P/E | 38.69 | 38.69 | 10.44 | 68.50 | 9.28 | — | — | — | — | — | — | — | — | — |
| P/B | 1.15 | 1.15 | 1.10 | 1.18 | 1.31 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | -4.1% | -4.1% | 57.6% | -29.7% | — | 1.2% | -11.4% | 8.6% | 57.3% | 66.2% | 16.5% | 13.3% | -0.1% | — |
| EPS Growth | -69.3% | -69.3% | 700.0% | -85.8% | — | 169.0% | -408.7% | -29.4% | 40.7% | 51.4% | -30.5% | 18.5% | 41.3% | — |
| Dividend Yield | 1.6% | 1.6% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
48.8%
EPS terminal req.
$4.05
Spread vs growth
-118.0%
5Y implied EPS CAGR
31.9%
EPS terminal req.
$4.90
Spread vs growth
-101.1%
10Y implied EPS CAGR
20.4%
EPS terminal req.
$7.89
Spread vs growth
-89.7%
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
+18.8%
Start / end P/E
9.7x → 37.1x
EPS bridge
4.00 → 1.23
Residual
-194.8%
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.