Financial Services / Banks - RegionalNasdaqCM
$40.72
+0.01 (+0.02%)
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 51.0/100
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
42/100
C
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
$302M
P/E
9.5x
↓EV/EBITDA
N/A
•ROE
10.8%
↑Gross Margin
N/A
•Debt/Equity
0.60
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+17.1%
FCF CAGR
+21.7%
FCF margin
34.7%
FCF / Net income
1.56x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $149.8M · net income $33.3M · FCF $51.9M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $149.8M | $149.8M | $142.0M | $141.4M | $119.7M | $3.0M | $2.7M | $2.9M | $1.7M | $46.2M | $38.0M | $31.7M | $24.8M | $21.7M | $18.8M | $16.5M |
| Net Income | $33.3M | $33.3M | $35.0M | $36.1M | $29.6M | $37.4M | $39.3M | $22.7M | $24.3M | $14.1M | $10.5M | $8.9M | $4.5M | $3.9M | $5.3M | $1.5M |
| EPS | 4.29 | 4.29 | 4.36 | 4.56 | 3.70 | 4.37 | 4.49 | 2.50 | 3.15 | 2.14 | 1.75 | 1.47 | 0.76 | 0.65 | 0.88 | — |
| Net Margin | 22.3% | 22.3% | 24.7% | 25.5% | 24.8% | 1243.3% | 1473.3% | 779.8% | 1395.2% | 30.5% | 27.6% | 28.0% | 18.3% | 18.0% | 28.2% | 9.4% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.60 | 0.60 | 1.20 | 0.23 | 1.05 | 0.17 | 0.72 | 0.42 | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $51.9M | $51.9M | $49.2M | $76.0M | $183.3M | $107.0M | $-33.7M | $6.7M | $17.6M | $14.1M | $-7000.00 | $-8.6M | $-4.9M | $4.0M | $-4.4M | $3.3M |
| Returns | ||||||||||||||||
| ROE | 10.8% | 10.8% | 11.8% | 13.6% | 12.8% | 15.1% | 17.1% | 11.3% | 13.5% | 11.5% | 13.0% | 11.8% | 6.9% | 6.3% | 8.8% | 5.8% |
| Valuation | ||||||||||||||||
| P/E | 9.47 | 9.47 | 9.33 | 8.24 | 8.95 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.03 | 1.03 | 1.11 | 1.12 | 1.14 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 5.5% | 5.5% | 0.4% | 18.1% | — | 12.9% | -8.5% | 66.9% | -96.2% | 21.5% | 19.9% | 27.6% | 14.3% | 15.7% | 14.0% | — |
| EPS Growth | -1.6% | -1.6% | -4.4% | 23.2% | — | -2.7% | 79.2% | -20.3% | 47.0% | 21.9% | 19.8% | 92.8% | 17.8% | -26.7% | — | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.6%
EPS terminal req.
$3.61
Spread vs growth
4.0%
5Y implied EPS CAGR
0.4%
EPS terminal req.
$4.37
Spread vs growth
-2.0%
10Y implied EPS CAGR
5.1%
EPS terminal req.
$7.04
Spread vs growth
-6.7%
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
8.8x → 9.5x
EPS bridge
4.36 → 4.29
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.