Financial Services / Banks - RegionalNasdaqCM
$19.02
-0.53 (-2.71%)
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 37.0/100
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
40/100
C
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
$58M
P/E
9.9x
↓EV/EBITDA
N/A
•ROE
7.0%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+5.1%
FCF CAGR
-1.7%
FCF margin
26.4%
FCF / Net income
1.40x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $20.5M · net income $3.9M · FCF $5.4M
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 | $20.5M | $20.5M | $20.4M | $23.4M | $20.6M | $991000.00 | $1.0M | $975000.00 | $18.4M | $16.9M | $15.5M | $14.8M | $13.2M | $13.2M | $12.7M | $10.3M |
| Net Income | $3.9M | $3.9M | $3.6M | $5.7M | $4.9M | $5.4M | $3.9M | $4.7M | $3.6M | $3.7M | $3.4M | $3.4M | $2.7M | $3.1M | $2.8M | $1.9M |
| EPS | — | — | 1.18 | 1.80 | 1.41 | 1.57 | 1.07 | 1.25 | 0.94 | 0.95 | 0.87 | 0.82 | 0.65 | 0.66 | 0.51 | 0.34 |
| Net Margin | 18.9% | 18.9% | 17.6% | 24.3% | 23.6% | 541.4% | 377.5% | 486.5% | 19.4% | 21.6% | 21.8% | 22.7% | 20.8% | 23.8% | 22.3% | 18.8% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.13 | 0.17 | 0.06 | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $5.4M | $5.4M | $-368000.00 | $10.9M | $14.5M | — | — | — | — | $2.7M | $4.4M | — | $-5.0M | $9.6M | $-2.7M | $6.9M |
| Returns | ||||||||||||||||
| ROE | 7.0% | 7.0% | 6.8% | 11.3% | 9.3% | 10.2% | 7.6% | 9.4% | 7.6% | 7.9% | 7.8% | 7.7% | 6.4% | 7.5% | 5.7% | 3.8% |
| Valuation | ||||||||||||||||
| P/E | 9.85 | 9.85 | 9.47 | 7.91 | 13.94 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.06 | 1.06 | 0.64 | 0.89 | 1.30 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 0.8% | 0.8% | -13.1% | 13.8% | — | -2.8% | 4.6% | -94.7% | 9.1% | 9.3% | 4.6% | 12.1% | 0.1% | 3.4% | 23.6% | — |
| EPS Growth | — | — | -34.4% | 27.7% | — | 46.7% | -14.4% | 33.7% | -2.1% | 9.8% | 5.5% | 27.9% | -1.5% | 29.7% | 50.7% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+50.2%
Start / end P/E
n/dx → n/dx
EPS bridge
1.18 → n/d
Residual
+47.4%
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.