Financial Services / Banks - RegionalNasdaqGM
$14.08
-0.30 (-2.09%)
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
33/100
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
$193M
P/E
12.8x
↑EV/EBITDA
N/A
•ROE
8.3%
↑Gross Margin
N/A
•Debt/Equity
0.02
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2025 · 4 años de histórico normalizado
Revenue CAGR
+27.3%
FCF CAGR
—
FCF margin
-26.4%
FCF / Net income
-2.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $129.4M · net income $16.1M · FCF $-34.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | $129.4M | $129.4M | $82.0M | $76.6M | $88.8M | $49.2M |
| Net Income | $16.1M | $16.1M | $12.7M | $17.5M | $25.1M | $31.6M |
| EPS | 1.13 | 1.13 | 0.93 | 1.33 | 1.87 | 3.27 |
| Net Margin | 12.4% | 12.4% | 15.5% | 22.8% | 28.3% | 64.1% |
| Balance Sheet | ||||||
| Debt/Equity | 0.02 | 0.02 | 0.03 | 0.04 | 0.05 | — |
| Cash Flow | ||||||
| Free Cash Flow | $-34.2M | $-34.2M | $-19.9M | $4.8M | $53.9M | $-11.6M |
| Returns | ||||||
| ROE | 8.3% | 8.3% | 7.3% | 11.3% | 17.9% | 27.4% |
| Valuation | ||||||
| P/E | 12.80 | 12.80 | 17.15 | 10.89 | 4.79 | — |
| P/B | 0.99 | 0.99 | 1.21 | 1.21 | 0.85 | — |
| Growth & Yield | ||||||
| Revenue Growth | 57.7% | 57.7% | 7.1% | -13.7% | — | — |
| EPS Growth | 21.5% | 21.5% | -30.1% | -28.9% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.4%
EPS terminal req.
$1.25
Spread vs growth
18.1%
5Y implied EPS CAGR
6.0%
EPS terminal req.
$1.51
Spread vs growth
15.5%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$2.43
Spread vs growth
13.5%
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
-1.8%
Start / end P/E
15.4x → 12.5x
EPS bridge
0.93 → 1.13
Residual
-4.1%
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.