Financial Services / Banks - RegionalNasdaqGS
$12.32
-0.22 (-1.75%)
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 25.0/100
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
38/100
D
Piotroski
3/9
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
$1.6B
P/E
22.4x
↑EV/EBITDA
N/A
•ROE
2.7%
↓Gross Margin
N/A
•Debt/Equity
0.20
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+7.4%
FCF CAGR
+6.5%
FCF margin
30.4%
FCF / Net income
2.46x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $498.7M · net income $61.6M · FCF $151.5M
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 | $498.7M | $498.7M | $473.9M | $571.4M | $629.8M | $566.5M | $598.9M | $684.8M | $650.2M | $572.1M | $421.9M | $313.7M | $302.7M | $283.1M | $267.9M | $161.9M | $150.4M | $158.0M |
| Net Income | $61.6M | $61.6M | $99.6M | $133.7M | $218.3M | $204.6M | $111.5M | $171.0M | $189.6M | $139.4M | $113.7M | $92.3M | $88.6M | $81.8M | $83.2M | $27.1M | $-7.2M | $-5.7M |
| EPS | 0.49 | 0.49 | 0.82 | 1.11 | 1.81 | 1.66 | 0.90 | 1.35 | 1.44 | 1.03 | 1.10 | 1.16 | 1.11 | 1.03 | 0.99 | 0.53 | -0.30 | -0.35 |
| Net Margin | 12.3% | 12.3% | 21.0% | 23.4% | 34.7% | 36.1% | 18.6% | 25.0% | 29.2% | 24.4% | 27.0% | 29.4% | 29.3% | 28.9% | 31.1% | 16.7% | -4.8% | -3.6% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.20 | 0.20 | 0.18 | 0.92 | 0.62 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $151.5M | $151.5M | $106.9M | $460.7M | $476.4M | $317.0M | $160.9M | $177.2M | $213.1M | $188.8M | $116.3M | $97.2M | $129.1M | $125.0M | $97.6M | $95.4M | $132.8M | $55.4M |
| Returns | ||||||||||||||||||
| ROE | 2.7% | 2.7% | 4.7% | 6.3% | 10.8% | 9.8% | 5.4% | 8.4% | 10.0% | 7.2% | 6.1% | 9.8% | 10.0% | 10.1% | 11.1% | 3.4% | -2.0% | — |
| Valuation | ||||||||||||||||||
| P/E | 22.40 | 22.40 | 14.74 | 10.61 | 7.27 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.68 | 0.68 | 0.69 | 0.67 | 0.79 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 5.2% | 5.2% | -17.1% | -9.3% | — | -5.4% | -12.5% | 5.3% | 13.6% | 35.6% | 34.5% | 3.6% | 6.9% | 5.7% | 65.5% | 7.6% | -4.8% | — |
| EPS Growth | -40.2% | -40.2% | -26.1% | -38.7% | — | 84.4% | -33.3% | -6.2% | 39.8% | -6.4% | -5.2% | 4.5% | 7.8% | 4.0% | 86.8% | 276.7% | 14.3% | — |
| Dividend Yield | 4.6% | 4.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
30.7%
EPS terminal req.
$1.09
Spread vs growth
-70.9%
5Y implied EPS CAGR
22.0%
EPS terminal req.
$1.32
Spread vs growth
-62.2%
10Y implied EPS CAGR
15.8%
EPS terminal req.
$2.13
Spread vs growth
-56.1%
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
+27.3%
Start / end P/E
12.2x → 25.1x
EPS bridge
0.82 → 0.49
Residual
-42.4%
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.