Financial Services / Banks - RegionalNasdaqCM
$14.02
-0.16 (-1.13%)
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
40/100
C
Piotroski
7/9
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
$830M
P/E
9.7x
↓EV/EBITDA
N/A
•ROE
11.2%
↑Gross Margin
N/A
•Debt/Equity
0.76
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.7%
FCF CAGR
+17.0%
FCF margin
27.7%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $188.6M · net income $54.6M · FCF $52.2M
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 | $188.6M | $188.6M | $170.1M | $179.6M | $160.0M | $116.5M | $112.3M | $102.0M | $91.8M | $80.5M | $72.5M | $53.8M | $40.9M | $41.0M | $43.1M | $44.4M | $48.4M | $49.8M |
| Net Income | $54.6M | $54.6M | $45.9M | $49.9M | $60.6M | $51.8M | $41.9M | $35.8M | $32.6M | $22.7M | $20.6M | $8.1M | $9.0M | $7.8M | $9.9M | $9.2M | $9.0M | $5.8M |
| EPS | 1.45 | 1.45 | 1.22 | 1.33 | 1.79 | 1.77 | 1.47 | 1.28 | 1.16 | 0.82 | 0.76 | 0.36 | 0.48 | 0.41 | 0.53 | 0.50 | 0.66 | 0.44 |
| Net Margin | 28.9% | 28.9% | 27.0% | 27.8% | 37.9% | 44.5% | 37.3% | 35.1% | 35.5% | 28.2% | 28.4% | 15.0% | 21.9% | 19.0% | 23.0% | 20.7% | 18.6% | 11.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.76 | 0.76 | 0.96 | 1.10 | 0.63 | 0.19 | 0.22 | 0.15 | 0.02 | 0.03 | 0.07 | 0.11 | 0.15 | 0.18 | 0.09 | 0.10 | 0.28 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $52.2M | $52.2M | $54.9M | $59.0M | $78.9M | $53.6M | $45.4M | $37.3M | $38.3M | $29.6M | $23.7M | — | — | $14.0M | $7.8M | $10.4M | $17.2M | $4.2M |
| Returns | ||||||||||||||||||
| ROE | 11.2% | 11.2% | 11.3% | 12.3% | 20.7% | 11.0% | 12.0% | 11.9% | 12.4% | 9.4% | 9.6% | 4.1% | 7.3% | 6.9% | 8.2% | 8.1% | 10.2% | 7.2% |
| Valuation | ||||||||||||||||||
| P/E | 9.67 | 9.67 | 11.40 | 10.46 | 8.17 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.09 | 1.09 | 1.29 | 1.29 | 1.70 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 10.9% | 10.9% | -5.3% | 12.3% | — | 3.7% | 10.1% | 11.1% | 14.0% | 11.1% | 34.7% | 31.6% | -0.1% | -5.0% | -3.0% | -8.1% | -2.8% | — |
| EPS Growth | 18.9% | 18.9% | -8.3% | -25.7% | — | 20.4% | 14.8% | 10.3% | 41.5% | 7.9% | 111.1% | -25.0% | 17.1% | -22.6% | 6.0% | -24.2% | 50.0% | — |
| Dividend Yield | 4.8% | 4.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.0%
EPS terminal req.
$1.24
Spread vs growth
23.8%
5Y implied EPS CAGR
0.8%
EPS terminal req.
$1.51
Spread vs growth
18.1%
10Y implied EPS CAGR
5.3%
EPS terminal req.
$2.42
Spread vs growth
13.6%
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
+10.8%
Start / end P/E
10.8x → 9.7x
EPS bridge
1.22 → 1.45
Residual
-2.0%
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.