Financial Services / Banks - RegionalNasdaqGS
$42.37
-0.74 (-1.72%)
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 39.0/100
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
24/100
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
$799M
P/E
16.0x
↑EV/EBITDA
N/A
•ROE
9.7%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+2.4%
FCF CAGR
+11.3%
FCF margin
38.2%
FCF / Net income
1.23x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $157.2M · net income $48.8M · FCF $60.0M
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 | $157.2M | $157.2M | $156.2M | $156.2M | $140.6M | $105.3M | $114.0M | $95.0M | $98.3M | $95.3M | $94.7M | $96.1M | $106.1M | $109.5M | $109.7M | $94.2M | $103.6M | $107.9M |
| Net Income | $48.8M | $48.8M | $51.6M | $48.0M | $46.7M | $51.2M | $35.9M | $38.8M | $36.3M | $21.5M | $25.1M | $24.5M | $25.5M | $23.3M | $28.6M | $20.0M | $21.8M | $-38.7M |
| EPS | 2.65 | 2.65 | 2.80 | 2.67 | 2.82 | 2.94 | 2.02 | 2.46 | 2.18 | 1.26 | 1.45 | 1.31 | 1.31 | 1.11 | 1.40 | 1.07 | 1.23 | -2.75 |
| Net Margin | 31.0% | 31.0% | 33.0% | 30.7% | 33.2% | 48.6% | 31.5% | 40.9% | 37.0% | 22.5% | 26.5% | 25.5% | 24.0% | 21.3% | 26.1% | 21.3% | 21.1% | -35.9% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | — | — | — | — | — | — | — | — | — | 0.21 | 0.27 | 0.34 | 0.40 | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $60.0M | $60.0M | $54.9M | $59.1M | $57.9M | — | — | — | — | — | $42.3M | $57.3M | — | $42.2M | $48.6M | $50.9M | $54.3M | $10.8M |
| Returns | ||||||||||||||||||
| ROE | 9.7% | 9.7% | 9.8% | 9.5% | 11.1% | 12.0% | 8.4% | 9.0% | 10.9% | 6.1% | 7.4% | 7.2% | 7.3% | 7.1% | 8.0% | 6.6% | 8.1% | -15.3% |
| Valuation | ||||||||||||||||||
| P/E | 16.05 | 16.05 | 14.66 | 13.54 | 12.02 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.56 | 1.56 | 1.44 | 1.29 | 1.33 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 0.6% | 0.6% | -0.0% | 11.1% | — | -7.7% | 20.1% | -3.4% | 3.1% | 0.6% | -1.4% | -9.4% | -3.1% | -0.2% | 16.4% | -9.1% | -4.0% | — |
| EPS Growth | -5.4% | -5.4% | 4.9% | -5.3% | — | 45.5% | -17.9% | 12.8% | 73.0% | -13.1% | 10.7% | 0.0% | 18.0% | -20.7% | 30.8% | -13.0% | 144.7% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
12.4%
EPS terminal req.
$3.76
Spread vs growth
-17.7%
5Y implied EPS CAGR
11.4%
EPS terminal req.
$4.55
Spread vs growth
-16.8%
10Y implied EPS CAGR
10.7%
EPS terminal req.
$7.33
Spread vs growth
-16.1%
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
+15.6%
Start / end P/E
13.4x → 16.0x
EPS bridge
2.80 → 2.65
Residual
-1.0%
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.