Financial Services / Banks - RegionalSwiss
$23.40
+0.10 (+0.43%)
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 23.0/100
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
21/100
D
Piotroski
1/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$316M
P/E
15.2x
↑EV/EBITDA
N/A
•ROE
4.9%
↓Gross Margin
N/A
•Debt/Equity
6.84
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.1%
FCF CAGR
—
FCF margin
—
FCF / Net income
—
Latest source
Provider fallback
Margin decomposition
Último año: revenue $94.3M · net income $21.8M · FCF —
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $94.3M | $94.3M | $95.9M | $99.0M | $88.5M |
| Net Income | $21.8M | $21.8M | $24.3M | $26.0M | $25.3M |
| EPS | 1.54 | 1.54 | 1.71 | 1.87 | 1.87 |
| Net Margin | 23.1% | 23.1% | 25.3% | 26.3% | 28.6% |
| Balance Sheet | |||||
| Debt/Equity | 6.84 | 6.84 | 6.61 | 6.69 | 5.82 |
| Cash Flow | |||||
| Free Cash Flow | — | — | — | $-67.5M | $-105.3M |
| Returns | |||||
| ROE | 4.9% | 4.9% | 5.6% | 6.1% | 6.1% |
| Valuation | |||||
| P/E | 15.19 | 15.19 | 12.40 | 12.14 | 13.32 |
| P/B | 0.75 | 0.75 | 0.69 | 0.74 | 0.81 |
| Growth & Yield | |||||
| Revenue Growth | -1.7% | -1.7% | -3.2% | 11.9% | — |
| EPS Growth | -9.9% | -9.9% | -8.6% | 0.0% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
10.5%
EPS terminal req.
$2.08
Spread vs growth
-20.4%
5Y implied EPS CAGR
10.3%
EPS terminal req.
$2.51
Spread vs growth
-20.2%
10Y implied EPS CAGR
10.1%
EPS terminal req.
$4.05
Spread vs growth
-20.1%
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
+13.1%
Start / end P/E
12.6x → 15.2x
EPS bridge
1.71 → 1.54
Residual
-2.1%
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.