Financial Services / Banks - RegionalNasdaqGM
$43.94
+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 37.0/100
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
35/100
D
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
$1.2B
P/E
N/A
•EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.37
↑Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+13.2%
FCF CAGR
+20.4%
FCF margin
33.3%
FCF / Net income
1.35x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $373.0M · net income $91.7M · FCF $124.0M
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 | $373.0M | $373.0M | $357.4M | $300.2M | $215.9M | $183.0M | $144.1M | $149.7M | $124.6M | $99.6M | $75.5M | $59.3M | $54.7M | $53.5M | $55.8M | $56.8M | $50.9M | $51.4M |
| Net Income | $91.7M | $91.7M | $78.9M | $68.9M | $73.0M | $51.5M | $45.3M | $47.9M | $36.6M | $26.7M | $21.8M | $16.5M | $15.5M | $14.7M | $14.0M | $11.4M | $8.8M | $8.2M |
| EPS | 3.83 | 3.83 | 3.30 | 3.15 | 3.60 | 2.87 | 2.70 | 2.87 | 2.52 | 2.13 | 2.05 | 1.81 | 1.85 | 1.73 | 1.62 | 1.29 | 1.07 | 1.04 |
| Net Margin | 24.6% | 24.6% | 22.1% | 23.0% | 33.8% | 28.1% | 31.4% | 32.0% | 29.4% | 26.8% | 28.9% | 27.9% | 28.2% | 27.5% | 25.1% | 20.0% | 17.2% | 16.0% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.37 | 0.37 | — | — | — | — | — | 0.00 | 0.02 | 0.03 | 0.05 | 0.00 | 0.25 | 0.27 | 0.16 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $124.0M | $124.0M | $119.5M | $68.8M | $60.8M | $65.9M | $61.1M | $58.7M | $39.1M | $44.9M | $26.7M | $20.2M | $16.6M | $23.3M | $21.4M | $14.4M | $5.6M | $6.4M |
| Returns | ||||||||||||||||||
| ROE | 9.6% | 9.6% | 9.3% | 8.7% | 11.5% | 8.1% | 8.0% | 9.1% | 7.7% | 8.7% | 7.8% | 8.1% | 9.4% | 9.9% | 9.0% | 8.1% | 7.8% | 7.4% |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 4.4% | 4.4% | 19.1% | 39.0% | 18.0% | 27.0% | -3.7% | 20.2% | 25.1% | 31.9% | 27.4% | 8.3% | 2.4% | -4.1% | -1.8% | 11.6% | -1.0% | — |
| EPS Growth | 16.1% | 16.1% | 4.8% | -12.5% | 25.4% | 6.3% | -5.9% | 13.9% | 18.3% | 3.9% | 13.3% | -2.2% | 6.9% | 6.8% | 25.6% | 20.6% | 2.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.6%
EPS terminal req.
$3.90
Spread vs growth
15.5%
5Y implied EPS CAGR
4.3%
EPS terminal req.
$4.72
Spread vs growth
11.8%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$7.60
Spread vs growth
9.0%
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.
Unavailable: positive start/end prices are required.