Financial Services / Banks - RegionalNasdaqGS
$34.76
-0.69 (-1.95%)
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 33.0/100
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
40/100
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
$1.6B
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
8.5%
↑Gross Margin
N/A
•Debt/Equity
0.06
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2019–2025 · 6 años de histórico normalizado
Revenue CAGR
+17.4%
FCF CAGR
—
FCF margin
25.4%
FCF / Net income
1.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $409.0M · net income $97.9M · FCF $104.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | $409.0M | $409.0M | $377.4M | $365.0M | $322.7M | $169.4M | $156.8M | $155.8M |
| Net Income | $97.9M | $97.9M | $75.6M | $103.5M | $59.2M | $43.2M | $47.6M | $20.5M |
| EPS | 3.47 | 3.47 | 2.69 | 4.08 | 2.48 | 2.30 | 2.58 | 1.03 |
| Net Margin | 23.9% | 23.9% | 20.0% | 28.4% | 18.3% | 25.5% | 30.3% | 13.2% |
| Balance Sheet | ||||||||
| Debt/Equity | 0.06 | 0.06 | 0.10 | 0.56 | 0.98 | — | — | — |
| Cash Flow | ||||||||
| Free Cash Flow | $104.0M | $104.0M | $95.7M | $120.9M | $94.7M | $109.7M | $-6.7M | $-3.0M |
| Returns | ||||||||
| ROE | 8.5% | 8.5% | 7.3% | 11.8% | 7.6% | 8.2% | 9.8% | 4.8% |
| Valuation | ||||||||
| P/E | 10.22 | 10.22 | 14.61 | 8.33 | 14.48 | — | — | — |
| P/B | 0.85 | 0.85 | 1.06 | 0.98 | 1.11 | — | — | — |
| Growth & Yield | ||||||||
| Revenue Growth | 8.4% | 8.4% | 3.4% | 13.1% | — | 8.0% | 0.6% | — |
| EPS Growth | 29.0% | 29.0% | -34.1% | 64.5% | — | -10.9% | 150.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.9%
EPS terminal req.
$3.08
Spread vs growth
32.8%
5Y implied EPS CAGR
1.5%
EPS terminal req.
$3.73
Spread vs growth
27.5%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$6.01
Spread vs growth
23.3%
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
-3.0%
Start / end P/E
13.3x → 10.0x
EPS bridge
2.69 → 3.47
Residual
-7.2%
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.