Financial Services / Banks - RegionalNasdaqCM
$30.05
-0.01 (-0.03%)
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 44.0/100
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
57/100
C
Piotroski
6/9
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
$282M
P/E
11.8x
↓EV/EBITDA
N/A
•ROE
11.5%
↑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
+5.5%
FCF CAGR
—
FCF margin
24.0%
FCF / Net income
0.92x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $73.4M · net income $19.2M · FCF $17.6M
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 | $73.4M | $73.4M | $61.1M | $54.5M | $55.2M | $47.5M | $43.8M | $42.6M | $39.7M | $32.2M | $29.5M | $28.6M | $27.3M | $21.8M | $23.0M | $25.5M | $27.5M | $31.0M |
| Net Income | $19.2M | $19.2M | $14.0M | $11.8M | $14.6M | $15.5M | $10.1M | $11.0M | $11.2M | $5.8M | $6.7M | $6.1M | $5.1M | $4.1M | $4.0M | $3.3M | $1.9M | $-25.2M |
| EPS | 2.47 | 2.47 | 1.81 | 1.55 | 1.92 | 2.05 | 1.35 | 1.45 | 1.45 | 0.83 | 0.98 | 0.91 | 0.78 | 0.78 | 0.79 | 0.81 | 0.36 | -7.95 |
| Net Margin | 26.2% | 26.2% | 22.8% | 21.7% | 26.5% | 32.5% | 23.1% | 25.7% | 28.3% | 18.1% | 22.6% | 21.4% | 18.8% | 19.0% | 17.3% | 13.0% | 6.7% | -81.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.10 | 0.10 | 0.12 | 0.83 | 0.57 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $17.6M | $17.6M | $10.5M | $11.9M | $20.9M | $57.1M | $-18.1M | $2.0M | $18.5M | $15.3M | $3.9M | $11.8M | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 11.5% | 11.5% | 9.7% | 9.0% | 12.3% | 11.0% | 7.4% | 9.1% | 10.0% | 5.5% | 8.2% | 7.8% | 6.9% | 7.9% | 7.3% | 6.9% | 4.4% | -60.9% |
| Valuation | ||||||||||||||||||
| P/E | 11.78 | 11.78 | 13.09 | 12.84 | 11.45 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.39 | 1.39 | 1.26 | 1.16 | 1.41 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 20.0% | 20.0% | 12.1% | -1.2% | — | 8.5% | 2.7% | 7.3% | 23.6% | 9.0% | 3.0% | 4.9% | 25.3% | -5.3% | -9.9% | -7.2% | -11.2% | — |
| EPS Growth | 36.5% | 36.5% | 16.8% | -19.3% | — | 51.9% | -6.9% | 0.0% | 74.7% | -15.3% | 7.7% | 16.7% | 0.0% | -1.3% | -2.5% | 125.0% | 104.5% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.6%
EPS terminal req.
$2.67
Spread vs growth
33.9%
5Y implied EPS CAGR
5.5%
EPS terminal req.
$3.23
Spread vs growth
31.0%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$5.20
Spread vs growth
28.7%
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
+28.9%
Start / end P/E
13.1x → 12.2x
EPS bridge
1.81 → 2.47
Residual
-2.6%
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.