Financial Services / Banks - RegionalNasdaqCM
$108.45
-1.44 (-1.31%)
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 72.0/100
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
40/100
C
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
$937M
P/E
18.2x
↑EV/EBITDA
N/A
•ROE
17.5%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2015–2025 · 10 años de histórico normalizado
Revenue CAGR
+28.0%
FCF CAGR
—
FCF margin
37.0%
FCF / Net income
1.07x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $146.6M · net income $50.8M · FCF $54.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | $146.6M | $146.6M | $124.8M | $113.5M | $84.3M | $44.5M | $38.6M | $36.7M | $29.0M | $20.4M | $16.2M | $12.5M |
| Net Income | $50.8M | $50.8M | $43.7M | $41.0M | $28.5M | $17.9M | $12.6M | $14.1M | $8.7M | $3.6M | $2.8M | $1.2M |
| EPS | 5.87 | 5.87 | 5.14 | 4.91 | 3.47 | 2.26 | 1.65 | 1.82 | 1.13 | 0.58 | 0.55 | 0.25 |
| Net Margin | 34.7% | 34.7% | 35.0% | 36.1% | 33.8% | 40.3% | 32.7% | 38.6% | 30.2% | 17.9% | 17.5% | 9.4% |
| Cash Flow | ||||||||||||
| Free Cash Flow | $54.3M | $54.3M | $39.1M | $39.4M | $37.6M | $29.1M | $14.8M | $15.7M | $9.5M | $3.8M | $3.7M | — |
| Returns | ||||||||||||
| ROE | 17.5% | 17.5% | 18.4% | 20.7% | 18.0% | 12.5% | 10.0% | 12.7% | 9.4% | 4.4% | 5.4% | 2.4% |
| Valuation | ||||||||||||
| P/E | 18.23 | 18.23 | 15.47 | 9.80 | 12.09 | — | — | — | — | — | — | — |
| P/B | 3.24 | 3.24 | 2.85 | 2.02 | 2.15 | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||
| Revenue Growth | 17.4% | 17.4% | 10.0% | 34.7% | — | 15.3% | 5.4% | 26.6% | 42.0% | 26.1% | 29.9% | — |
| EPS Growth | 14.2% | 14.2% | 4.7% | 41.5% | — | 37.0% | -9.3% | 61.1% | 94.8% | 5.5% | 120.0% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
17.9%
EPS terminal req.
$9.62
Spread vs growth
-3.7%
5Y implied EPS CAGR
14.7%
EPS terminal req.
$11.64
Spread vs growth
-0.5%
10Y implied EPS CAGR
12.3%
EPS terminal req.
$18.75
Spread vs growth
1.9%
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
+20.2%
Start / end P/E
17.7x → 18.5x
EPS bridge
5.14 → 5.87
Residual
+0.7%
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.