Financial Services / Banks - RegionalNasdaqCM
$60.82
+0.84 (+1.40%)
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 48.0/100
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
56/100
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
$273M
P/E
11.4x
↓EV/EBITDA
N/A
•ROE
12.1%
↑Gross Margin
N/A
•Debt/Equity
1.23
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.4%
FCF CAGR
+8.1%
FCF margin
28.1%
FCF / Net income
1.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $87.4M · net income $21.2M · FCF $24.6M
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 | $87.4M | $87.4M | $69.9M | $67.3M | $65.4M | $47.6M | $45.9M | $49.2M | $44.9M | $39.9M | $37.0M | $34.6M | $34.8M | $36.0M | $39.1M | $41.8M | $43.3M | $43.8M |
| Net Income | $21.2M | $21.2M | $11.1M | $13.6M | $14.9M | $19.6M | $12.8M | $16.1M | $6.1M | $2.2M | $8.1M | $10.2M | $8.4M | $6.2M | $5.4M | $6.6M | $7.6M | $6.6M |
| EPS | 4.74 | 4.74 | 2.51 | 3.10 | 3.36 | 4.42 | 2.93 | 3.67 | 1.39 | 0.50 | 1.88 | 2.40 | 2.00 | 1.51 | 1.32 | 1.66 | 1.96 | 1.71 |
| Net Margin | 24.3% | 24.3% | 15.9% | 20.2% | 22.8% | 41.2% | 27.9% | 32.7% | 13.7% | 5.5% | 21.9% | 29.5% | 24.1% | 17.3% | 13.7% | 15.7% | 17.6% | 15.0% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 1.23 | 1.23 | 1.55 | 1.17 | 0.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $24.6M | $24.6M | $19.2M | $26.1M | $13.0M | — | — | — | — | — | $14.3M | $12.2M | — | — | $8.3M | $14.3M | $10.2M | $7.1M |
| Returns | ||||||||||||||||||
| ROE | 12.1% | 12.1% | 7.7% | 10.3% | 13.1% | 12.5% | 8.8% | 12.6% | 5.2% | 1.9% | 6.9% | 9.2% | 8.1% | 6.5% | 5.9% | 7.5% | 9.2% | — |
| Valuation | ||||||||||||||||||
| P/E | 11.39 | 11.39 | 11.60 | 9.21 | 10.47 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.56 | 1.56 | 0.89 | 0.95 | 1.37 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 25.1% | 25.1% | 3.9% | 2.8% | — | 3.6% | -6.7% | 9.7% | 12.5% | 7.9% | 6.8% | -0.5% | -3.5% | -7.9% | -6.3% | -3.4% | -1.1% | — |
| EPS Growth | 88.9% | 88.9% | -19.1% | -7.7% | — | 50.9% | -20.2% | 164.0% | 178.0% | -73.4% | -21.7% | 20.0% | 32.5% | 14.4% | -20.5% | -15.3% | 14.6% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.4%
EPS terminal req.
$5.40
Spread vs growth
84.5%
5Y implied EPS CAGR
6.6%
EPS terminal req.
$6.53
Spread vs growth
82.3%
10Y implied EPS CAGR
8.3%
EPS terminal req.
$10.52
Spread vs growth
80.6%
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
+71.2%
Start / end P/E
14.4x → 12.8x
EPS bridge
2.51 → 4.74
Residual
-9.4%
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.