Financial Services / Banks - RegionalNasdaqGS
$64.06
-0.32 (-0.50%)
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 42.0/100
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
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
$502M
P/E
10.8x
↓EV/EBITDA
N/A
•ROE
10.6%
↑Gross Margin
N/A
•Debt/Equity
0.13
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+10.5%
FCF CAGR
+19.1%
FCF margin
29.8%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $148.7M · net income $46.1M · FCF $44.3M
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 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $148.7M | $148.7M | $134.9M | $135.3M | $131.9M | $106.9M | $104.1M | $102.2M | $102.3M | $74.4M | $67.7M | $58.4M | $54.3M | $43.7M | $46.1M | $38.4M | $33.7M | $29.9M |
| Net Income | $46.1M | $46.1M | $36.4M | $40.2M | $34.1M | $48.6M | $24.8M | $27.9M | $31.6M | $16.8M | $16.0M | $12.5M | $9.9M | $7.3M | $9.2M | $5.1M | $4.7M | $4.7M |
| EPS | 5.87 | 5.87 | 4.55 | 4.99 | 4.16 | 5.77 | 2.85 | 3.05 | 3.40 | 2.28 | 2.25 | 1.79 | 1.42 | 1.06 | 1.28 | 0.71 | 0.62 | 0.58 |
| Net Margin | 31.0% | 31.0% | 27.0% | 29.7% | 25.8% | 45.5% | 23.8% | 27.3% | 30.9% | 22.6% | 23.7% | 21.5% | 18.2% | 16.7% | 19.9% | 13.3% | 13.9% | 15.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.13 | 0.13 | 0.59 | 0.69 | 0.71 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $44.3M | $44.3M | $44.7M | $39.3M | $48.5M | $53.2M | $46.9M | $40.1M | $42.1M | $22.8M | $16.4M | — | — | $19.9M | $9.9M | $16.3M | $-8.4M | $2.7M |
| Returns | ||||||||||||||||||
| ROE | 10.6% | 10.6% | 9.2% | 11.0% | 10.3% | 13.8% | 7.7% | 8.8% | 10.4% | 6.1% | 8.9% | 7.6% | 6.4% | 5.1% | 6.5% | 3.8% | 3.6% | 3.5% |
| Valuation | ||||||||||||||||||
| P/E | 10.77 | 10.77 | 10.17 | 8.28 | 9.66 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.16 | 1.16 | 0.94 | 0.91 | 1.00 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 10.3% | 10.3% | -0.3% | 2.6% | — | 2.7% | 1.9% | -0.1% | 37.5% | 9.9% | 15.9% | 7.5% | 24.2% | -5.2% | 20.0% | 14.2% | 12.6% | — |
| EPS Growth | 29.0% | 29.0% | -8.8% | 20.0% | — | 102.5% | -6.6% | -10.3% | 49.1% | 1.3% | 25.7% | 26.1% | 34.0% | -17.2% | 80.3% | 14.5% | 6.9% | — |
| Dividend Yield | 1.9% | 1.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.1%
EPS terminal req.
$5.68
Spread vs growth
30.1%
5Y implied EPS CAGR
3.2%
EPS terminal req.
$6.88
Spread vs growth
25.8%
10Y implied EPS CAGR
6.6%
EPS terminal req.
$11.08
Spread vs growth
22.5%
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
+29.0%
Start / end P/E
11.1x → 10.9x
EPS bridge
4.55 → 5.87
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.