Financial Services / Banks - RegionalNasdaqCM
$17.76
+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 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
29/100
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
$291M
P/E
N/A
•EV/EBITDA
N/A
•ROE
10.0%
↑Gross Margin
N/A
•Debt/Equity
0.00
↓Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+5.9%
FCF CAGR
-1.1%
FCF margin
6.3%
FCF / Net income
0.25x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $82.3M · net income $21.1M · FCF $5.2M
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 | $82.3M | $82.3M | $78.7M | $74.1M | $55.9M | $47.2M | $48.9M | $49.0M | $45.6M | $40.0M | $36.0M | $31.4M | $29.6M | $28.9M | $28.3M | $28.8M | $29.9M | $33.1M |
| Net Income | $21.1M | $21.1M | $20.0M | $21.6M | $15.9M | $14.2M | $12.2M | $14.7M | $12.6M | $8.7M | $8.1M | $6.9M | $5.9M | $5.4M | $4.6M | $2.7M | $2.7M | $-1.1M |
| EPS | 1.27 | 1.27 | 1.19 | 1.34 | 1.04 | 0.95 | 0.85 | 1.08 | 0.93 | 0.68 | 0.66 | 0.59 | 0.52 | 0.45 | 0.35 | 0.13 | 0.18 | -0.20 |
| Net Margin | 25.7% | 25.7% | 25.5% | 29.1% | 28.4% | 30.1% | 24.9% | 30.0% | 27.5% | 21.9% | 22.4% | 22.0% | 19.8% | 18.7% | 16.4% | 9.3% | 8.9% | -3.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.00 | 0.00 | 0.00 | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $5.2M | $5.2M | $19.2M | $26.1M | $21.4M | $24.5M | $11.7M | $15.5M | $14.7M | $14.9M | $8.8M | $13.1M | — | $15.9M | $13.9M | $7.5M | $11.3M | $6.2M |
| Returns | ||||||||||||||||||
| ROE | 10.0% | 10.0% | 11.4% | 13.5% | 12.7% | 9.4% | 8.1% | 11.1% | 11.2% | 8.7% | 8.7% | 8.1% | 6.4% | 6.3% | 5.0% | 3.0% | 3.3% | -1.3% |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 4.6% | 4.6% | 6.1% | 32.6% | 18.5% | -3.5% | -0.3% | 7.4% | 14.0% | 11.3% | 14.4% | 6.3% | 2.5% | 2.1% | -1.8% | -3.8% | -9.5% | — |
| EPS Growth | 6.7% | 6.7% | -11.2% | 28.8% | 9.5% | 11.8% | -21.3% | 16.1% | 36.8% | 3.0% | 11.9% | 13.5% | 15.6% | 28.6% | 169.2% | -27.8% | 190.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.5%
EPS terminal req.
$1.58
Spread vs growth
-0.7%
5Y implied EPS CAGR
8.5%
EPS terminal req.
$1.91
Spread vs growth
-1.7%
10Y implied EPS CAGR
9.2%
EPS terminal req.
$3.07
Spread vs growth
-2.5%
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.