Financial Services / Banks - RegionalNasdaqGM
$15.54
-0.10 (-0.64%)
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 40.0/100
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
44/100
C
Piotroski
6/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$389M
P/E
9.3x
↓EV/EBITDA
N/A
•ROE
9.8%
↑Gross Margin
N/A
•Debt/Equity
0.61
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+14.7%
FCF CAGR
+21.5%
FCF margin
42.6%
FCF / Net income
1.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $147.2M · net income $43.7M · FCF $62.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $147.2M | $147.2M | $129.9M | $103.8M | $97.5M |
| Net Income | $43.7M | $43.7M | $42.2M | $20.9M | $36.3M |
| EPS | 1.74 | 1.74 | 1.67 | 0.95 | 1.84 |
| Net Margin | 29.7% | 29.7% | 32.5% | 20.1% | 37.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.61 | 0.61 | 0.68 | 0.63 | 0.42 |
| Cash Flow | |||||
| Free Cash Flow | $62.7M | $62.7M | $24.7M | $140.7M | $35.0M |
| Returns | |||||
| ROE | 9.8% | 9.8% | 10.3% | 5.6% | 12.5% |
| Valuation | |||||
| P/E | 9.31 | 9.31 | 8.19 | 14.57 | 7.32 |
| P/B | 0.88 | 0.88 | 0.84 | 0.82 | 0.92 |
| Growth & Yield | |||||
| Revenue Growth | 13.4% | 13.4% | 25.1% | 6.5% | — |
| EPS Growth | 4.2% | 4.2% | 75.8% | -48.4% | — |
| Dividend Yield | 1.9% | 1.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-7.5%
EPS terminal req.
$1.38
Spread vs growth
11.7%
5Y implied EPS CAGR
-0.8%
EPS terminal req.
$1.67
Spread vs growth
5.0%
10Y implied EPS CAGR
4.4%
EPS terminal req.
$2.69
Spread vs growth
-0.3%
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
+8.9%
Start / end P/E
8.7x → 8.9x
EPS bridge
1.67 → 1.74
Residual
+0.1%
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.