Financial Services / Banks - RegionalNasdaqGS
$43.19
-0.53 (-1.21%)
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 50.0/100
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
51/100
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
11.9x
↓EV/EBITDA
N/A
•ROE
9.7%
↑Gross Margin
N/A
•Debt/Equity
0.12
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+11.5%
FCF CAGR
+20.5%
FCF margin
42.6%
FCF / Net income
1.37x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $361.4M · net income $112.6M · FCF $154.0M
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 | $361.4M | $361.4M | $214.9M | $250.7M | $259.7M | $170.4M | $174.4M | $176.5M | $133.7M | $111.0M | $103.4M | $81.6M | $80.4M | $75.7M | $77.2M | $80.2M | $64.2M | $63.7M |
| Net Income | $112.6M | $112.6M | $83.8M | $85.9M | $81.8M | $84.1M | $62.2M | $59.2M | $46.5M | $40.7M | $35.2M | $30.1M | $28.3M | $25.4M | $24.1M | $20.2M | $13.4M | $12.2M |
| EPS | 3.06 | 3.06 | 2.83 | 2.91 | 2.78 | 3.17 | 2.34 | 2.29 | 1.99 | 1.77 | 1.57 | 1.51 | 1.43 | 1.32 | 1.27 | 1.07 | 0.81 | 0.73 |
| Net Margin | 31.2% | 31.2% | 39.0% | 34.3% | 31.5% | 49.4% | 35.7% | 33.6% | 34.8% | 36.6% | 34.0% | 36.8% | 35.3% | 33.6% | 31.2% | 25.3% | 20.9% | 19.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.12 | 0.12 | 0.21 | 0.19 | 0.23 | 0.13 | 0.23 | 0.32 | 0.28 | 0.39 | 0.37 | 0.38 | 0.28 | 0.44 | 0.48 | 0.54 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $154.0M | $154.0M | $90.7M | $101.5M | $102.2M | $96.2M | $85.3M | $55.9M | $47.1M | $43.7M | — | — | — | — | $38.4M | $22.7M | $15.3M | $7.8M |
| Returns | ||||||||||||||||||
| ROE | 9.7% | 9.7% | 11.7% | 12.9% | 14.7% | 12.6% | 10.0% | 10.3% | 10.1% | 11.2% | 10.7% | 11.9% | 12.4% | 12.7% | 13.0% | 12.1% | 11.0% | 10.8% |
| Valuation | ||||||||||||||||||
| P/E | 11.87 | 11.87 | 13.80 | 11.11 | 13.50 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.37 | 1.37 | 1.62 | 1.44 | 1.98 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 68.2% | 68.2% | -14.3% | -3.5% | — | -2.3% | -1.2% | 31.9% | 20.5% | 7.4% | 26.6% | 1.5% | 6.2% | -1.9% | -3.7% | 24.9% | 0.7% | — |
| EPS Growth | 8.1% | 8.1% | -2.7% | 4.7% | — | 35.5% | 2.2% | 15.1% | 12.4% | 12.7% | 4.0% | 5.8% | 8.1% | 4.2% | 18.0% | 33.1% | 10.0% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.8%
EPS terminal req.
$3.83
Spread vs growth
0.3%
5Y implied EPS CAGR
8.7%
EPS terminal req.
$4.64
Spread vs growth
-0.5%
10Y implied EPS CAGR
9.3%
EPS terminal req.
$7.47
Spread vs growth
-1.2%
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
+15.8%
Start / end P/E
13.5x → 14.1x
EPS bridge
2.83 → 3.06
Residual
+0.4%
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.