Financial Services / Banks - RegionalNasdaqGM
$9.61
+0.05 (+0.52%)
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 20.0/100
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
25/100
D
Piotroski
1/9
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
$158M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-24.8%
↓Gross Margin
N/A
•Debt/Equity
0.79
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.4%
FCF CAGR
—
FCF margin
-10.6%
FCF / Net income
0.18x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $93.7M · net income $-56.0M · FCF $-10.0M
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 | $93.7M | $93.7M | $111.5M | $93.5M | $109.3M | $111.9M | $100.7M | $91.6M | $78.4M | $67.5M | $58.5M | $56.1M | $53.3M | $50.9M | $55.2M | $54.6M | $51.4M | $47.2M |
| Net Income | $-56.0M | $-56.0M | $12.4M | $9.2M | $28.9M | $27.3M | $20.3M | $14.2M | $14.2M | $11.8M | $14.1M | $14.5M | $11.2M | $9.1M | $12.1M | $8.0M | $10.0M | $7.6M |
| EPS | -4.17 | -4.17 | 0.81 | 0.62 | 2.48 | 2.42 | 1.90 | 1.34 | 1.34 | 1.10 | 1.39 | 1.51 | 1.18 | 0.92 | 1.20 | 0.74 | 1.07 | 0.86 |
| Net Margin | -59.8% | -59.8% | 11.2% | 9.9% | 26.4% | 24.4% | 20.2% | 15.5% | 18.1% | 17.4% | 24.1% | 25.9% | 21.1% | 18.0% | 21.8% | 14.7% | 19.5% | 16.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.79 | 0.79 | 0.76 | 1.08 | 0.75 | 0.19 | 0.34 | 0.38 | 0.23 | 0.26 | 0.30 | 0.34 | 0.01 | 0.00 | 0.01 | 0.03 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $-10.0M | $-10.0M | $30.7M | $6.8M | $34.2M | $24.3M | $17.4M | $17.1M | $23.1M | $5.5M | $18.1M | $12.8M | — | $15.4M | $15.3M | $15.6M | $15.3M | $895000.00 |
| Returns | ||||||||||||||||||
| ROE | -24.8% | -24.8% | 4.9% | 3.7% | 12.3% | 12.2% | 11.4% | 8.6% | 9.7% | 8.2% | 11.3% | 12.3% | 8.0% | 7.4% | 9.0% | 6.3% | 10.2% | 8.0% |
| Valuation | ||||||||||||||||||
| P/E | — | — | 13.37 | 19.77 | 9.71 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.59 | 0.59 | 0.53 | 0.55 | 1.10 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -15.9% | -15.9% | 19.3% | -14.5% | — | 11.2% | 9.9% | 16.9% | 16.1% | 15.4% | 4.4% | 5.2% | 4.7% | -7.8% | 1.1% | 6.3% | 8.9% | — |
| EPS Growth | -614.8% | -614.8% | 30.6% | -75.0% | — | 27.4% | 41.8% | 0.3% | 21.5% | -20.8% | -8.2% | 28.2% | 28.7% | -23.8% | 63.3% | -31.0% | 24.6% | — |
| Dividend Yield | 0.4% | 0.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+9.0%
Start / end P/E
n/dx → n/dx
EPS bridge
0.81 → -4.17
Residual
+8.6%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.