Financial Services / Banks - RegionalOTC Markets OTCPK
$86.00
-2.00 (-2.27%)
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 40.0/100
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
33/100
D
Piotroski
6/9
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
$1.5B
P/E
22.3x
↑EV/EBITDA
N/A
•ROE
10.0%
↑Gross Margin
N/A
•Debt/Equity
1.08
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
37.3%
FCF / Net income
1.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $174.5M · net income $60.5M · FCF $65.1M
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 | $174.5M | $174.5M | $142.6M | $142.5M | $142.8M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Income | $60.5M | $60.5M | $47.6M | $38.2M | $47.8M | $48.1M | $38.6M | $45.3M | $36.8M | $28.1M | $31.6M | $28.4M | $27.0M | $25.9M | $26.8M | $26.8M | $23.3M | $16.0M |
| EPS | — | — | 5.26 | 4.16 | 5.15 | 5.16 | 4.12 | 4.85 | 3.92 | 3.01 | 3.40 | 3.04 | 2.87 | 2.75 | 2.84 | 3.00 | 2.64 | 1.80 |
| Net Margin | 34.7% | 34.7% | 33.4% | 26.8% | 33.4% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 1.08 | 1.08 | 1.25 | 0.58 | 0.25 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $65.1M | $65.1M | $51.0M | $49.8M | $54.5M | $83.6M | $6.3M | $36.2M | $45.5M | $43.0M | $21.8M | $25.1M | $31.4M | $57.8M | $22.7M | $17.2M | $35.8M | — |
| Returns | ||||||||||||||||||
| ROE | 10.0% | 10.0% | 8.8% | 7.4% | 10.0% | 11.0% | 9.3% | 12.1% | 11.0% | 9.0% | 10.9% | 10.4% | 10.6% | 10.6% | 11.9% | 12.8% | 14.0% | 10.5% |
| Valuation | ||||||||||||||||||
| P/E | 22.34 | 22.34 | 13.36 | 18.03 | 13.83 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.25 | 1.25 | 1.18 | 1.34 | 1.38 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 22.4% | 22.4% | 0.1% | -0.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EPS Growth | — | — | 26.4% | -19.2% | — | 25.2% | -15.1% | 23.7% | 30.2% | -11.5% | 11.8% | 5.9% | 4.4% | -3.2% | -5.5% | 13.8% | 46.7% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+12.4%
Start / end P/E
n/dx → n/dx
EPS bridge
5.26 → n/d
Residual
+11.7%
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.