Financial Services / Banks - RegionalOTC Markets OTCID
$57.75
+0.00 (+0.00%)
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 49.0/100
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
41/100
C
Piotroski
6/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$229M
P/E
11.8x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.7%
FCF CAGR
+10.1%
FCF margin
28.1%
FCF / Net income
1.02x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $67.3M · net income $18.6M · FCF $18.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $67.3M | $67.3M | $58.7M | $57.5M | $62.1M |
| Net Income | $18.6M | $18.6M | $16.0M | $16.0M | $18.1M |
| EPS | 4.64 | 4.64 | 3.89 | 3.80 | 4.19 |
| Net Margin | 27.7% | 27.7% | 27.3% | 27.9% | 29.1% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | 0.84 | 0.26 |
| Cash Flow | |||||
| Free Cash Flow | $18.9M | $18.9M | $26.8M | $18.1M | $14.2M |
| Returns | |||||
| ROE | 10.9% | 10.9% | 11.7% | 12.9% | 18.7% |
| Valuation | |||||
| P/E | 11.76 | 11.76 | 9.06 | 6.84 | 6.21 |
| P/B | 1.35 | 1.35 | 1.06 | 0.89 | 1.16 |
| Growth & Yield | |||||
| Revenue Growth | 14.6% | 14.6% | 2.1% | -7.4% | — |
| EPS Growth | 19.3% | 19.3% | 2.4% | -9.3% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.4%
EPS terminal req.
$5.12
Spread vs growth
15.9%
5Y implied EPS CAGR
6.0%
EPS terminal req.
$6.20
Spread vs growth
13.3%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$9.99
Spread vs growth
11.3%
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
+42.9%
Start / end P/E
10.5x → 12.4x
EPS bridge
3.89 → 4.64
Residual
+3.5%
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.