Financial Services / Banks - RegionalOslo
$160.00
+9.00 (+5.96%)
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 22.0/100
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
18/100
F
Piotroski
4/9
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
$110M
P/E
30.0x
↑EV/EBITDA
N/A
•ROE
4.1%
↓Gross Margin
N/A
•Debt/Equity
2.65
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.9%
FCF CAGR
+283.9%
FCF margin
41.3%
FCF / Net income
1.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $197.6M · net income $47.4M · FCF $81.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $197.6M | $197.6M | $195.1M | $194.9M | $181.2M |
| Net Income | $47.4M | $47.4M | $55.0M | $50.8M | $46.8M |
| EPS | 6.83 | 6.83 | 9.60 | 10.00 | 9.80 |
| Net Margin | 24.0% | 24.0% | 28.2% | 26.1% | 25.8% |
| Balance Sheet | |||||
| Debt/Equity | 2.65 | 2.65 | 2.78 | 2.57 | 2.56 |
| Cash Flow | |||||
| Free Cash Flow | $81.5M | $81.5M | $-555.8M | $265.2M | $1.4M |
| Returns | |||||
| ROE | 4.1% | 4.1% | 5.6% | 5.6% | 5.6% |
| Valuation | |||||
| P/E | 30.02 | 30.02 | 15.10 | 13.00 | 14.90 |
| P/B | 0.10 | 0.10 | 0.10 | 0.10 | 0.12 |
| Growth & Yield | |||||
| Revenue Growth | 1.3% | 1.3% | 0.1% | 7.6% | — |
| EPS Growth | -28.9% | -28.9% | -4.0% | 2.0% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
27.6%
EPS terminal req.
$14.20
Spread vs growth
-56.5%
5Y implied EPS CAGR
20.3%
EPS terminal req.
$17.18
Spread vs growth
-49.1%
10Y implied EPS CAGR
15.0%
EPS terminal req.
$27.67
Spread vs growth
-43.9%
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
-1.6%
Start / end P/E
17.5x → 23.4x
EPS bridge
9.60 → 6.83
Residual
-9.8%
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.