Financial Services / Banks - RegionalNasdaqGS
$35.51
-0.22 (-0.62%)
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 48.0/100
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
42/100
C
Piotroski
5/9
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
$699M
P/E
9.2x
↓EV/EBITDA
N/A
•ROE
11.9%
↑Gross Margin
N/A
•Debt/Equity
0.53
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+6.1%
FCF CAGR
-2.6%
FCF margin
5.4%
FCF / Net income
0.18x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $243.5M · net income $74.9M · FCF $13.3M
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 | $243.5M | $243.5M | $114.5M | $212.2M | $212.3M | $167.2M | $161.3M | $168.8M | $152.7M | $130.1M | $115.2M | $105.5M | $101.1M | $98.9M | $97.6M | $95.1M | $96.5M | $94.5M |
| Net Income | $74.9M | $74.9M | $-41.6M | $50.3M | $56.6M | $77.7M | $38.3M | $48.9M | $39.5M | $33.5M | $31.9M | $28.3M | $29.4M | $25.5M | $23.4M | $22.8M | $21.3M | $14.4M |
| EPS | 3.61 | 3.61 | -1.66 | 3.15 | 3.56 | 4.78 | 2.30 | 2.96 | 2.39 | 2.13 | 2.10 | 1.90 | 2.00 | 1.75 | 1.60 | 1.49 | 1.61 | 0.99 |
| Net Margin | 30.7% | 30.7% | -36.4% | 23.7% | 26.6% | 46.5% | 23.8% | 28.9% | 25.9% | 25.8% | 27.7% | 26.9% | 29.0% | 25.8% | 24.0% | 24.0% | 22.1% | 15.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.53 | 0.53 | 0.45 | 0.75 | 0.77 | 0.15 | 0.16 | 0.09 | 0.10 | 0.10 | 0.12 | 0.13 | 0.00 | 0.00 | — | — | 0.13 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $13.3M | $13.3M | $72.2M | $7.9M | $125.2M | $63.6M | $39.2M | $54.1M | $62.3M | $38.5M | $39.1M | $35.6M | $29.9M | $33.8M | $32.9M | $28.3M | $33.0M | $20.3M |
| Returns | ||||||||||||||||||
| ROE | 11.9% | 11.9% | -7.3% | 11.1% | 13.9% | 15.4% | 8.2% | 11.1% | 10.0% | 8.8% | 10.0% | 9.6% | 10.5% | 10.0% | 9.2% | 9.6% | 10.0% | — |
| Valuation | ||||||||||||||||||
| P/E | 9.25 | 9.25 | — | 6.90 | 6.90 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.15 | 1.15 | 0.74 | 0.74 | 0.94 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 112.6% | 112.6% | -46.0% | -0.1% | — | 3.7% | -4.4% | 10.5% | 17.4% | 12.9% | 9.3% | 4.3% | 2.1% | 1.4% | 2.6% | -1.4% | 2.1% | — |
| EPS Growth | 317.5% | 317.5% | -152.7% | -11.5% | — | 107.8% | -22.3% | 23.8% | 12.2% | 1.4% | 10.5% | -5.0% | 14.3% | 9.4% | 7.4% | -7.5% | 62.6% | — |
| Dividend Yield | 3.5% | 3.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.4%
EPS terminal req.
$3.15
Spread vs growth
321.9%
5Y implied EPS CAGR
1.1%
EPS terminal req.
$3.81
Spread vs growth
316.4%
10Y implied EPS CAGR
5.5%
EPS terminal req.
$6.14
Spread vs growth
312.0%
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
+42.7%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.66 → 3.61
Residual
+39.1%
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.