Financial Services / Banks - RegionalNasdaqCM
$26.24
+0.00 (+0.00%)
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 64.0/100
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
48/100
C
Piotroski
5/9
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
$447M
P/E
11.5x
↓EV/EBITDA
N/A
•ROE
13.0%
↑Gross Margin
N/A
•Debt/Equity
0.54
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+8.4%
FCF CAGR
+8.4%
FCF margin
36.2%
FCF / Net income
0.88x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $75.4M · net income $31.1M · FCF $27.3M
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 | $75.4M | $75.4M | $64.9M | $73.4M | $70.1M | $58.3M | $53.3M | $4.1M | $3.7M | $33.5M | $28.8M | $25.7M | $23.8M | $24.1M | $24.3M | $24.2M |
| Net Income | $31.1M | $31.1M | $24.8M | $30.8M | $28.0M | $23.9M | $18.7M | $17.5M | $14.4M | $11.2M | $9.0M | $7.2M | $6.5M | $6.4M | $5.8M | $5.3M |
| EPS | — | — | 1.45 | 1.81 | 1.65 | 1.41 | 1.10 | 1.02 | 0.84 | 0.66 | 0.53 | 0.42 | 0.39 | 0.38 | 0.35 | 0.32 |
| Net Margin | 41.3% | 41.3% | 38.2% | 42.0% | 39.9% | 41.0% | 35.1% | 424.7% | 388.7% | 33.4% | 31.1% | 28.0% | 27.4% | 26.5% | 24.0% | 21.8% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.54 | 0.54 | 0.97 | 0.27 | 1.10 | 0.00 | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $27.3M | $27.3M | $23.4M | $26.6M | $34.3M | $26.5M | $25.6M | $21.0M | $20.3M | $14.0M | $13.3M | — | — | $10.1M | $10.0M | $8.8M |
| Returns | ||||||||||||||||
| ROE | 13.0% | 13.0% | 12.0% | 16.8% | 17.7% | 16.0% | 14.5% | 15.6% | 15.0% | 13.4% | 12.1% | 10.7% | 10.7% | 11.4% | 11.1% | 11.0% |
| Valuation | ||||||||||||||||
| P/E | 11.46 | 11.46 | 20.92 | 15.43 | 15.43 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.87 | 1.87 | 2.51 | 2.59 | 2.74 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 16.1% | 16.1% | -11.6% | 4.6% | — | 9.4% | 1195.0% | 11.1% | -88.9% | 16.2% | 12.1% | 8.0% | -1.1% | -1.2% | 0.5% | — |
| EPS Growth | — | — | -19.9% | 10.0% | — | 27.7% | 7.3% | 21.3% | 29.0% | 23.6% | 24.7% | 10.4% | 2.0% | 8.6% | 9.4% | — |
| Dividend Yield | 1.5% | 1.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+22.5%
Start / end P/E
n/dx → n/dx
EPS bridge
1.45 → n/d
Residual
+21.0%
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.