Financial Services / Banks - RegionalNasdaqGS
$56.42
-1.10 (-1.91%)
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 54.0/100
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
46/100
C
Piotroski
7/9
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
$472M
P/E
9.3x
↓EV/EBITDA
N/A
•ROE
13.5%
↑Gross Margin
N/A
•Debt/Equity
0.70
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+7.5%
FCF CAGR
—
FCF margin
36.2%
FCF / Net income
1.21x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $168.6M · net income $50.3M · FCF $61.1M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $168.6M | $168.6M | $153.5M | $143.9M | $127.8M | $96.0M | $94.2M | $102.0M | $91.3M | $75.8M | $78.1M | $72.5M | $57.7M | $53.8M | $54.8M | $56.2M | $56.6M |
| Net Income | $50.3M | $50.3M | $44.2M | $37.0M | $40.9M | $35.8M | $17.0M | $23.3M | $16.3M | $11.9M | $14.9M | $16.5M | $14.1M | $13.7M | $8.9M | $8.4M | $941000.00 |
| EPS | 5.94 | 5.94 | 5.20 | 4.33 | 4.75 | 4.17 | 1.97 | 2.68 | 1.86 | 1.36 | 1.71 | 1.90 | 1.75 | 1.74 | 1.65 | 1.61 | 0.18 |
| Net Margin | 29.8% | 29.8% | 28.8% | 25.7% | 32.0% | 37.2% | 18.0% | 22.9% | 17.9% | 15.7% | 19.1% | 22.8% | 24.5% | 25.5% | 16.3% | 15.0% | 1.7% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.70 | 0.70 | 1.00 | 1.17 | 1.79 | — | — | — | — | — | — | — | — | — | 0.22 | 0.78 | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $61.1M | $61.1M | $57.3M | $49.4M | $35.4M | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | |||||||||||||||||
| ROE | 13.5% | 13.5% | 13.5% | 12.8% | 15.7% | 15.4% | 8.2% | 12.0% | 9.0% | 7.0% | 9.2% | 10.9% | 10.3% | 12.6% | 9.0% | 13.1% | 1.7% |
| Valuation | |||||||||||||||||
| P/E | 9.31 | 9.31 | 8.68 | 8.82 | 7.57 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.24 | 1.24 | 1.12 | 1.07 | 1.13 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 9.9% | 9.9% | 6.6% | 12.6% | — | 1.9% | -7.7% | 11.8% | 20.4% | -3.0% | 7.8% | 25.6% | 7.2% | -1.7% | -2.6% | -0.7% | — |
| EPS Growth | 14.2% | 14.2% | 20.1% | -8.8% | — | 111.7% | -26.5% | 44.1% | 36.8% | -20.5% | -10.0% | 8.6% | 0.6% | 5.8% | 1.9% | 773.0% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.5%
EPS terminal req.
$5.01
Spread vs growth
19.8%
5Y implied EPS CAGR
0.4%
EPS terminal req.
$6.06
Spread vs growth
13.8%
10Y implied EPS CAGR
5.1%
EPS terminal req.
$9.76
Spread vs growth
9.1%
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
+17.9%
Start / end P/E
9.4x → 9.5x
EPS bridge
5.20 → 5.94
Residual
+0.2%
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.