Financial Services / Banks - RegionalNasdaqCM
$31.75
+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
21/100
D
Piotroski
4/9
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
$137M
P/E
N/A
•EV/EBITDA
N/A
•ROE
4.6%
↓Gross Margin
N/A
•Debt/Equity
N/A
•Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+7.7%
FCF CAGR
-2.3%
FCF margin
9.9%
FCF / Net income
1.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $91.8M · net income $8.1M · FCF $9.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $91.8M | $91.8M | $89.2M | $85.8M | $72.0M | $50.7M | $51.6M | $52.3M | $39.5M | $33.4M | $32.4M | $29.4M | $27.2M | $26.2M | $26.1M | $27.0M | $30.1M |
| Net Income | $8.1M | $8.1M | $12.1M | $8.4M | $15.1M | $15.0M | $15.9M | $12.1M | $9.3M | $9.0M | $9.1M | $7.9M | $7.4M | $7.1M | $6.9M | $5.4M | $5.2M |
| EPS | 1.88 | 1.88 | 2.84 | 1.96 | 3.60 | 4.30 | 4.60 | 3.53 | 3.17 | 3.13 | 3.20 | 2.75 | 2.60 | 2.50 | 2.41 | 1.90 | 1.83 |
| Net Margin | 8.8% | 8.8% | 13.6% | 9.8% | 20.9% | 29.5% | 30.9% | 23.2% | 23.7% | 26.9% | 28.2% | 26.7% | 27.2% | 27.2% | 26.3% | 20.0% | 17.2% |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $9.0M | $9.0M | $6.7M | $23.1M | $14.7M | $13.9M | $16.0M | $7.9M | $9.5M | $10.6M | $8.7M | — | — | — | $7.7M | $14.4M | $12.8M |
| Returns | |||||||||||||||||
| ROE | 4.6% | 4.6% | 8.0% | 5.7% | 11.6% | 9.6% | 10.5% | 9.1% | 9.2% | 9.7% | 10.9% | 9.7% | 9.7% | 10.7% | 10.1% | 8.6% | 9.2% |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 2.9% | 2.9% | 4.0% | 19.1% | 42.2% | -1.9% | -1.2% | 32.4% | 18.3% | 3.0% | 10.3% | 8.1% | 3.9% | 0.3% | -3.4% | -10.3% | — |
| EPS Growth | -33.8% | -33.8% | 44.9% | -45.6% | -16.3% | -6.5% | 30.3% | 11.4% | 1.3% | -2.2% | 16.4% | 5.8% | 4.0% | 3.7% | 26.8% | 3.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
14.4%
EPS terminal req.
$2.82
Spread vs growth
-48.2%
5Y implied EPS CAGR
12.6%
EPS terminal req.
$3.41
Spread vs growth
-46.4%
10Y implied EPS CAGR
11.3%
EPS terminal req.
$5.49
Spread vs growth
-45.1%
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.