Financial Services / Banks - RegionalNasdaqGM
$287.99
+4.75 (+1.68%)
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 33.0/100
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
39/100
D
Piotroski
6/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$633M
P/E
12.6x
↑EV/EBITDA
N/A
•ROE
11.4%
↑Gross Margin
N/A
•Debt/Equity
3.05
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.9%
FCF CAGR
-12.7%
FCF margin
34.0%
FCF / Net income
0.65x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $104.4M · net income $54.6M · FCF $35.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $104.4M | $104.4M | $65.9M | $64.6M | $85.4M |
| Net Income | $54.6M | $54.6M | $28.2M | $26.4M | $37.5M |
| EPS | 24.76 | 24.76 | 12.85 | 12.02 | 17.04 |
| Net Margin | 52.3% | 52.3% | 42.8% | 40.8% | 43.9% |
| Balance Sheet | |||||
| Debt/Equity | 3.05 | 3.05 | 3.47 | 4.15 | 3.31 |
| Cash Flow | |||||
| Free Cash Flow | $35.5M | $35.5M | $11.8M | $18.5M | $53.3M |
| Returns | |||||
| ROE | 11.4% | 11.4% | 6.5% | 6.5% | 9.7% |
| Valuation | |||||
| P/E | 12.58 | 12.58 | 19.99 | 16.64 | 16.75 |
| P/B | 1.32 | 1.32 | 1.31 | 1.08 | 1.63 |
| Growth & Yield | |||||
| Revenue Growth | 58.5% | 58.5% | 2.0% | -24.4% | — |
| EPS Growth | 92.7% | 92.7% | 6.9% | -29.5% | — |
| Dividend Yield | 0.9% | 0.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.1%
EPS terminal req.
$25.55
Spread vs growth
91.6%
5Y implied EPS CAGR
4.5%
EPS terminal req.
$30.92
Spread vs growth
88.1%
10Y implied EPS CAGR
7.2%
EPS terminal req.
$49.80
Spread vs growth
85.4%
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
+19.1%
Start / end P/E
18.9x → 11.6x
EPS bridge
12.85 → 24.76
Residual
-35.8%
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.