Financial Services / Banks - RegionalNasdaqGM
$14.47
+0.04 (+0.28%)
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 15.0/100
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
39/100
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
$358M
P/E
7.7x
↓EV/EBITDA
N/A
•ROE
14.5%
↑Gross Margin
N/A
•Debt/Equity
0.47
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+11.7%
FCF CAGR
—
FCF margin
6.4%
FCF / Net income
0.15x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $140.9M · net income $61.4M · 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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $140.9M | $140.9M | $147.4M | $144.0M | $120.1M | $113.1M | $117.7M | $120.5M | $118.9M | $83.6M | $48.9M | $43.7M | $38.1M | $35.1M | $37.6M | $33.4M | $36.3M | $23.9M |
| Net Income | $61.4M | $61.4M | $-16.2M | $-7.8M | $14.1M | $31.1M | $23.0M | $33.2M | $33.7M | $2.4M | $10.3M | $9.3M | $7.5M | $6.3M | $6.6M | $4.4M | $4.1M | $-4.7M |
| EPS | 2.49 | 2.49 | -0.31 | 0.40 | 0.72 | — | 0.96 | 1.36 | 1.39 | 0.13 | 0.83 | 0.75 | 0.63 | 0.54 | 0.57 | 0.38 | 0.35 | — |
| Net Margin | 43.6% | 43.6% | -11.0% | -5.4% | 11.8% | 27.5% | 19.5% | 27.5% | 28.3% | 2.9% | 21.1% | 21.3% | 19.6% | 17.8% | 17.5% | 13.2% | 11.2% | -19.6% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.47 | 0.47 | 0.35 | 0.42 | 1.10 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $9.0M | $9.0M | $18.3M | $26.9M | $11.4M | — | $28.6M | $35.7M | $39.5M | $23.2M | $17.9M | $11.9M | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 14.5% | 14.5% | -4.6% | -2.1% | 3.6% | 7.6% | 5.9% | 8.8% | 9.7% | 0.8% | 8.2% | 7.8% | 6.6% | 5.9% | 6.4% | 4.4% | 4.3% | -5.2% |
| Valuation | ||||||||||||||||||
| P/E | 7.74 | 7.74 | — | 31.88 | 16.57 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.84 | 0.84 | 0.81 | 0.84 | 0.76 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -4.4% | -4.4% | 2.4% | 19.9% | — | -3.9% | -2.3% | 1.4% | 42.3% | 70.7% | 12.0% | 14.7% | 8.5% | -6.5% | 12.4% | -7.9% | 51.8% | — |
| EPS Growth | 903.2% | 903.2% | -177.5% | -44.4% | — | — | -29.4% | -2.2% | 969.2% | -84.3% | 10.7% | 19.0% | 16.7% | -5.3% | 50.0% | 8.6% | — | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-19.8%
EPS terminal req.
$1.28
Spread vs growth
923.0%
5Y implied EPS CAGR
-9.0%
EPS terminal req.
$1.55
Spread vs growth
912.2%
10Y implied EPS CAGR
0.0%
EPS terminal req.
$2.50
Spread vs growth
903.2%
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
+55.6%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.31 → 2.49
Residual
+52.8%
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.