Financial Services / Banks - RegionalNasdaqGM
$46.23
-0.48 (-1.03%)
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 45.0/100
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
43/100
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
$268M
P/E
9.0x
↓EV/EBITDA
N/A
•ROE
11.8%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+65.1%
FCF CAGR
+62.3%
FCF margin
27.2%
FCF / Net income
0.88x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $91.4M · net income $28.2M · FCF $24.8M
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 | $91.4M | $91.4M | $79.9M | $72.8M | $87.5M | $65.5M | $49.5M | $39.3M | $35.3M | $31.1M | $27.5M | $26.0M | $24.8M | $23.9M | $24.0M | $25.6M | $27.6M | $29909.00 |
| Net Income | $28.2M | $28.2M | $20.8M | $18.2M | $30.0M | $24.0M | $13.0M | $11.6M | $11.0M | $8.7M | $7.7M | $7.1M | $6.4M | $7.1M | $4.9M | $5.0M | $-3.2M | $-1400.00 |
| EPS | 4.86 | 4.86 | 3.60 | 3.19 | 5.29 | 4.48 | 2.82 | 3.03 | 2.90 | 2.33 | 2.09 | 1.94 | 1.75 | 2.01 | 1.43 | 1.52 | -1.00 | -0.45 |
| Net Margin | 30.8% | 30.8% | 26.0% | 25.0% | 34.3% | 36.7% | 26.3% | 29.5% | 31.2% | 28.1% | 28.0% | 27.3% | 25.6% | 29.9% | 20.4% | 19.7% | -11.6% | -4.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.08 | 0.71 | 0.19 | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $24.8M | $24.8M | $24.9M | $22.7M | $43.9M | $4.7M | $-1.1M | $21.7M | $10.1M | $13.0M | $14.4M | — | — | $22.0M | $2.6M | $14.7M | $13.5M | $10729.00 |
| Returns | ||||||||||||||||||
| ROE | 11.8% | 11.8% | 10.2% | 9.6% | 18.4% | 11.3% | 7.8% | 10.8% | 11.8% | 10.0% | 9.5% | 9.3% | 8.8% | 10.8% | 8.3% | 9.4% | -6.8% | — |
| Valuation | ||||||||||||||||||
| P/E | 9.05 | 9.05 | 13.22 | 16.89 | 8.53 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.12 | 1.12 | 1.35 | 1.62 | 1.57 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 14.4% | 14.4% | 9.8% | -16.8% | — | 32.3% | 26.0% | 11.1% | 13.7% | 13.0% | 5.7% | 4.7% | 4.2% | -0.6% | -6.3% | -7.2% | 92113.0% | — |
| EPS Growth | 35.0% | 35.0% | 12.9% | -39.7% | — | 58.9% | -6.9% | 4.5% | 24.5% | 11.5% | 7.7% | 11.1% | -13.2% | 41.1% | -6.1% | 252.0% | -123.9% | — |
| Dividend Yield | 3.6% | 3.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.5%
EPS terminal req.
$4.10
Spread vs growth
40.5%
5Y implied EPS CAGR
0.4%
EPS terminal req.
$4.96
Spread vs growth
34.6%
10Y implied EPS CAGR
5.1%
EPS terminal req.
$7.99
Spread vs growth
29.9%
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
+17.0%
Start / end P/E
11.3x → 9.5x
EPS bridge
3.60 → 4.86
Residual
-5.6%
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.