Financial Services / Banks - RegionalNasdaqGS
$29.77
-0.35 (-1.16%)
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 46.0/100
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
49/100
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
$886M
P/E
11.1x
↓EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.35
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+2.4%
FCF CAGR
+5.1%
FCF margin
75.4%
FCF / Net income
2.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $270.2M · net income $76.1M · FCF $203.7M
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 | $270.2M | $270.2M | $233.5M | $249.5M | $271.8M | $216.7M | $223.9M | $246.8M | $234.4M | $209.3M | $178.5M | $164.2M | $136.7M | $119.1M | $117.3M | $128.8M | $144.5M | $184.1M |
| Net Income | $76.1M | $76.1M | $62.2M | $80.0M | $101.4M | $98.7M | $42.2M | $32.8M | $57.9M | $54.7M | $56.5M | $53.8M | $49.8M | $39.9M | $90.3M | $28.1M | $-88.0M | $-122.3M |
| EPS | 2.51 | 2.51 | 2.05 | 2.62 | 3.32 | 3.22 | 1.38 | 1.06 | 1.79 | 1.69 | 1.75 | 1.68 | 1.56 | 1.26 | 2.87 | 1.38 | -7.46 | -20.56 |
| Net Margin | 28.2% | 28.2% | 26.6% | 32.1% | 37.3% | 45.5% | 18.8% | 13.3% | 24.7% | 26.1% | 31.7% | 32.8% | 36.4% | 33.5% | 77.0% | 21.9% | -60.9% | -66.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.35 | 0.35 | 0.54 | 0.65 | 0.75 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $203.7M | $203.7M | $49.9M | $106.8M | $145.4M | — | — | — | $72.9M | $80.8M | $58.6M | $65.4M | $24.3M | $59.7M | $52.2M | $48.1M | $225.2M | $91.3M |
| Returns | ||||||||||||||||||
| ROE | 9.6% | 9.6% | 8.5% | 11.4% | 15.9% | 15.3% | 7.3% | 5.8% | 10.5% | 9.7% | 10.6% | 10.9% | 11.0% | 10.0% | 23.9% | 9.9% | -50.8% | -81.7% |
| Valuation | ||||||||||||||||||
| P/E | 11.11 | 11.11 | 11.13 | 7.21 | 7.42 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.12 | 1.12 | 0.94 | 0.82 | 1.18 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 15.7% | 15.7% | -6.4% | -8.2% | — | -3.2% | -9.3% | 5.3% | 12.0% | 17.3% | 8.7% | 20.1% | 14.8% | 1.6% | -8.9% | -10.9% | -21.5% | — |
| EPS Growth | 22.4% | 22.4% | -21.8% | -21.1% | — | 133.3% | 30.2% | -40.8% | 5.9% | -3.4% | 4.2% | 7.7% | 23.8% | -56.1% | 108.0% | 118.5% | 63.7% | — |
| Dividend Yield | 3.8% | 3.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.7%
EPS terminal req.
$2.64
Spread vs growth
20.7%
5Y implied EPS CAGR
5.0%
EPS terminal req.
$3.20
Spread vs growth
17.5%
10Y implied EPS CAGR
7.4%
EPS terminal req.
$5.15
Spread vs growth
15.0%
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
+33.6%
Start / end P/E
11.2x → 11.9x
EPS bridge
2.05 → 2.51
Residual
+1.4%
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.