Financial Services / Banks - RegionalNasdaqGM
$10.05
+0.08 (+0.80%)
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 6.0/100
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
17/100
F
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
$91M
P/E
18.3x
↑EV/EBITDA
N/A
•ROE
-2.7%
↓Gross Margin
N/A
•Debt/Equity
2.06
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+8.5%
FCF CAGR
—
FCF margin
-4.0%
FCF / Net income
0.66x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $68.9M · net income $-4.2M · FCF $-2.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $68.9M | $68.9M | $61.0M | $65.5M | $80.2M | $63.7M | $176000.00 | $229000.00 | $45.8M | — | $32.2M | $27.5M | $26.6M | $25.8M |
| Net Income | $-4.2M | $-4.2M | $-6.6M | $2.3M | $15.6M | $15.4M | $10.3M | $9.0M | $7.1M | — | $4.0M | $-5.1M | $2.7M | $2.3M |
| EPS | -0.48 | -0.48 | -0.75 | 0.26 | 1.71 | 1.63 | 1.07 | 0.91 | 0.68 | — | 0.33 | -0.42 | — | — |
| Net Margin | -6.1% | -6.1% | -10.8% | 3.5% | 19.5% | 24.2% | 5875.0% | 3936.2% | 15.5% | — | 12.4% | -18.5% | 10.0% | 9.0% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 2.06 | 2.06 | 2.30 | 2.00 | 1.77 | — | 0.59 | 0.64 | 0.79 | 0.81 | 0.43 | 0.47 | 1.30 | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $-2.8M | $-2.8M | $16.9M | $16.3M | $13.0M | $9.1M | $11.4M | $13.7M | $10.5M | — | $8.5M | $-2.4M | $1.6M | $10.2M |
| Returns | ||||||||||||||
| ROE | -2.7% | -2.7% | -4.3% | 1.4% | 9.7% | 8.1% | 5.5% | 5.1% | 4.1% | — | 2.1% | -2.7% | 3.3% | 2.9% |
| Valuation | ||||||||||||||
| P/E | 18.27 | 18.27 | — | 59.62 | 9.21 | — | — | — | — | — | — | — | — | — |
| P/B | 0.56 | 0.56 | 0.59 | 0.85 | 0.89 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 13.0% | 13.0% | -6.8% | -18.4% | — | 36076.7% | -23.1% | -99.5% | — | — | 17.0% | 3.5% | 3.0% | — |
| EPS Growth | 36.0% | 36.0% | -388.5% | -84.8% | — | 52.3% | 17.6% | 33.8% | — | — | 178.6% | — | — | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+17.1%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.75 → -0.48
Residual
+14.2%
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.