Financial Services / Banks - RegionalNasdaqGS
$23.03
+0.63 (+2.81%)
Book/ROE base 3Y
$22.45
-0.8% CAGR · P/B 0.8x
Book/ROE base 5Y
$23.75
+0.6% base · +3.6% expected
Precio de entrada
$11.17
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $27.57 · 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
35/100
D
Piotroski
5/9
balance/quality
Valuation
40/100
-10.2% upside
5Y CAGR
+3.6%
64/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$165M
P/E
23.3x
↑EV/EBITDA
N/A
•ROE
3.7%
↓Gross Margin
N/A
•Debt/Equity
0.68
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2020–2025 · 5 años de histórico normalizado
Revenue CAGR
+12.8%
FCF CAGR
—
FCF margin
16.6%
FCF / Net income
1.63x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $73.3M · net income $7.5M · FCF $12.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | $73.3M | $73.3M | $68.4M | $63.3M | $70.1M | $48.7M | $40.1M |
| Net Income | $7.5M | $7.5M | $12.3M | $15.2M | $23.6M | $10.9M | $5.0M |
| EPS | 1.00 | 1.00 | 1.66 | 2.05 | 3.68 | 2.28 | 1.18 |
| Net Margin | 10.2% | 10.2% | 18.0% | 23.9% | 33.6% | 22.3% | 12.4% |
| Balance Sheet | |||||||
| Debt/Equity | 0.68 | 0.68 | 0.72 | 1.16 | — | — | — |
| Cash Flow | |||||||
| Free Cash Flow | $12.2M | $12.2M | $4.1M | $13.0M | $24.0M | $11.1M | $-527000.00 |
| Returns | |||||||
| ROE | 3.7% | 3.7% | 6.3% | 8.2% | 13.6% | 8.9% | 6.4% |
| Valuation | |||||||
| P/E | 23.27 | 23.27 | 14.02 | 11.35 | 6.32 | 10.21 | 19.72 |
| P/B | 0.84 | 0.84 | 0.85 | 0.89 | 0.83 | 0.89 | 1.26 |
| Growth & Yield | |||||||
| Revenue Growth | 7.1% | 7.1% | 8.0% | -9.7% | 44.1% | 21.3% | — |
| EPS Growth | -39.8% | -39.8% | -19.0% | -44.3% | 61.4% | 93.2% | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
26.9%
EPS terminal req.
$2.04
Spread vs growth
-66.7%
5Y implied EPS CAGR
19.8%
EPS terminal req.
$2.47
Spread vs growth
-59.6%
10Y implied EPS CAGR
14.8%
EPS terminal req.
$3.98
Spread vs growth
-54.6%
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
+5.0%
Start / end P/E
13.4x → 23.0x
EPS bridge
1.66 → 1.00
Residual
-28.4%
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.