Financial Services / Banks - RegionalNasdaqCM
$27.85
+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 32.0/100
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
30/100
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
$383M
P/E
N/A
•EV/EBITDA
N/A
•ROE
9.0%
↑Gross Margin
N/A
•Debt/Equity
N/A
•Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.4%
FCF CAGR
+12.4%
FCF margin
20.2%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $173.5M · net income $33.3M · FCF $35.0M
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 | $173.5M | $173.5M | $163.6M | $139.8M | $101.1M | $76.8M | $70.2M | $68.3M | $46.4M | $41.2M | $37.7M | $33.6M | $33.5M | $31.4M | $33.3M | $36.7M | $39.9M | $41.1M |
| Net Income | $33.3M | $33.3M | $25.9M | $22.8M | $32.5M | $23.5M | $20.1M | $18.4M | $14.9M | $12.7M | $11.7M | $10.3M | $9.6M | $9.0M | $9.8M | $8.5M | $7.0M | $6.6M |
| EPS | 2.43 | 2.43 | 1.90 | 1.67 | 2.46 | 2.01 | 1.80 | — | — | — | — | — | 2.08 | 1.93 | 2.08 | 1.82 | 1.48 | 1.39 |
| Net Margin | 19.2% | 19.2% | 15.9% | 16.3% | 32.1% | 30.6% | 28.6% | 26.9% | 32.2% | 30.8% | 30.9% | 30.7% | 28.8% | 28.7% | 29.4% | 23.2% | 17.5% | 16.1% |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $35.0M | $35.0M | $30.6M | $11.2M | $38.1M | $32.8M | $24.2M | $20.4M | $8.1M | $15.8M | $10.0M | — | — | $14.9M | $12.4M | $14.3M | $9.1M | $5.4M |
| Returns | ||||||||||||||||||
| ROE | 9.0% | 9.0% | 7.7% | 7.2% | 10.9% | 7.9% | 8.1% | 8.0% | 10.4% | 9.5% | 9.3% | 8.6% | 8.4% | 8.3% | 8.9% | 8.1% | 7.4% | 7.1% |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 6.1% | 6.1% | 17.0% | 38.2% | 31.6% | 9.5% | 2.7% | 47.1% | 12.6% | 9.3% | 12.1% | 0.6% | 6.4% | -5.5% | -9.2% | -8.1% | -3.0% | — |
| EPS Growth | 27.9% | 27.9% | 13.8% | -32.1% | 22.4% | 11.7% | — | — | — | — | — | — | 7.8% | -7.2% | 14.3% | 23.0% | 6.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
0.6%
EPS terminal req.
$2.47
Spread vs growth
27.3%
5Y implied EPS CAGR
4.2%
EPS terminal req.
$2.99
Spread vs growth
23.7%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$4.82
Spread vs growth
20.8%
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.
Unavailable: positive start/end prices are required.