Financial Services / Banks - RegionalOTC Markets OTCID
$17.74
-0.26 (-1.44%)
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 22.0/100
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
6/9
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
$111M
P/E
15.7x
↑EV/EBITDA
N/A
•ROE
5.4%
↓Gross Margin
N/A
•Debt/Equity
2.06
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+0.9%
FCF CAGR
—
FCF margin
24.8%
FCF / Net income
1.76x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $43.8M · net income $6.2M · FCF $10.8M
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 | $43.8M | $43.8M | $38.0M | $34.1M | $41.9M | $42.0M | $39.6M | $38.5M | $35.6M | $32.3M | $31.6M | $31.7M | $31.0M | $31.0M | $34.9M | $37.0M | $38.2M | $37.7M |
| Net Income | $6.2M | $6.2M | $-13.2M | $5.6M | $14.0M | $14.7M | $11.8M | $10.2M | $9.2M | $8.6M | $9.5M | $9.2M | $10.2M | $10.3M | $10.2M | $9.9M | $9.0M | $7.9M |
| EPS | — | — | -2.14 | 0.91 | 2.35 | 2.49 | 2.03 | 1.77 | 1.60 | 1.52 | 1.68 | 1.64 | 1.84 | 1.87 | 1.86 | 1.82 | 1.65 | 1.46 |
| Net Margin | 14.1% | 14.1% | -34.8% | 16.3% | 33.4% | 34.9% | 29.9% | 26.5% | 25.9% | 26.8% | 29.9% | 28.9% | 32.9% | 33.2% | 29.1% | 26.8% | 23.5% | 21.0% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 2.06 | 2.06 | 2.20 | 2.32 | 1.54 | — | — | 0.43 | 0.39 | 0.56 | 0.68 | 0.65 | 0.61 | 0.42 | 0.43 | 0.69 | 0.84 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $10.8M | $10.8M | $6.9M | $4.2M | $16.3M | $14.8M | $-2.3M | $12.0M | $14.3M | $9.6M | $11.4M | $9.7M | — | — | $539000.00 | $15.2M | $14.8M | $-5.7M |
| Returns | ||||||||||||||||||
| ROE | 5.4% | 5.4% | -12.4% | 4.6% | 11.6% | 9.9% | 8.2% | 7.9% | 7.9% | 7.4% | 8.6% | 8.5% | 9.6% | 10.7% | 9.8% | 10.6% | 11.3% | 10.7% |
| Valuation | ||||||||||||||||||
| P/E | 15.70 | 15.70 | — | 17.58 | 9.07 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.98 | 0.98 | 0.79 | 0.80 | 1.06 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 15.3% | 15.3% | 11.3% | -18.6% | — | 6.3% | 2.7% | 8.3% | 10.2% | 2.0% | -0.2% | 2.2% | 0.2% | -11.4% | -5.6% | -3.0% | 1.1% | — |
| EPS Growth | — | — | -335.2% | -61.3% | — | 22.7% | 14.7% | 10.6% | 5.3% | -9.5% | 2.4% | -10.9% | -1.6% | 0.5% | 2.2% | 10.3% | 13.0% | — |
| Dividend Yield | 6.2% | 6.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+25.4%
Start / end P/E
n/dx → n/dx
EPS bridge
-2.14 → n/d
Residual
+19.1%
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.