Financial Services / Banks - RegionalNasdaqGS
$27.10
-0.15 (-0.55%)
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 29.0/100
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
41/100
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
$1.1B
P/E
13.3x
↑EV/EBITDA
N/A
•ROE
7.3%
↑Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+10.0%
FCF CAGR
+16.1%
FCF margin
34.8%
FCF / Net income
1.27x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $246.1M · net income $67.5M · FCF $85.7M
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 | $246.1M | $246.1M | $216.8M | $243.8M | $249.0M | $212.8M | $214.3M | $217.8M | $199.4M | $147.7M | $138.5M | $135.7M | $121.1M | $71.4M | $69.1M | $74.1M | $59.5M | $53.3M |
| Net Income | $67.5M | $67.5M | $43.3M | $61.8M | $81.9M | $98.0M | $46.6M | $67.6M | $53.1M | $41.8M | $38.9M | $37.5M | $21.0M | $9.6M | $13.3M | $6.5M | $13.4M | $581000.00 |
| EPS | 1.96 | 1.96 | 1.24 | 1.75 | 2.31 | 2.73 | 1.29 | 1.83 | 1.49 | 1.39 | 1.30 | 1.25 | 0.01 | 0.01 | 0.87 | 0.42 | 1.04 | -0.10 |
| Net Margin | 27.4% | 27.4% | 19.9% | 25.3% | 32.9% | 46.1% | 21.7% | 31.0% | 26.6% | 28.3% | 28.1% | 27.6% | 17.4% | 13.4% | 19.2% | 8.8% | 22.4% | 1.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.05 | 0.05 | 0.47 | 0.61 | 0.03 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $85.7M | $85.7M | $61.0M | $99.1M | $90.4M | $66.5M | $63.3M | $79.4M | $67.1M | $70.5M | $47.3M | $49.6M | $47.4M | $25.7M | $24.0M | $17.7M | $20.2M | $7.9M |
| Returns | ||||||||||||||||||
| ROE | 7.3% | 7.3% | 5.0% | 7.2% | 10.3% | 11.5% | 5.7% | 8.3% | 7.0% | 8.2% | 8.1% | 8.0% | 4.6% | 4.4% | 6.7% | 3.2% | 6.6% | 0.4% |
| Valuation | ||||||||||||||||||
| P/E | 13.28 | 13.28 | 19.50 | 11.79 | 12.87 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.01 | 1.01 | 0.98 | 0.86 | 1.32 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 13.5% | 13.5% | -11.1% | -2.1% | — | -0.7% | -1.6% | 9.2% | 35.0% | 6.6% | 2.0% | 12.1% | 69.5% | 3.4% | -6.8% | 24.5% | 11.6% | — |
| EPS Growth | 58.1% | 58.1% | -29.1% | -24.2% | — | 111.6% | -29.5% | 22.8% | 7.2% | 6.9% | 4.0% | 15143.9% | -18.0% | -98.9% | 107.1% | -59.6% | 1140.0% | — |
| Dividend Yield | 3.5% | 3.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.1%
EPS terminal req.
$2.40
Spread vs growth
51.0%
5Y implied EPS CAGR
8.2%
EPS terminal req.
$2.91
Spread vs growth
49.8%
10Y implied EPS CAGR
9.1%
EPS terminal req.
$4.69
Spread vs growth
49.0%
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
+19.5%
Start / end P/E
18.9x → 13.8x
EPS bridge
1.24 → 1.96
Residual
-15.5%
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.