Financial Services / Banks - RegionalNYSE
$46.29
+0.00 (+0.00%)
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 38.0/100
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
26/100
D
Piotroski
4/9
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
$778M
P/E
N/A
•EV/EBITDA
N/A
•ROE
10.7%
↑Gross Margin
N/A
•Debt/Equity
N/A
•Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+8.9%
FCF CAGR
+4.1%
FCF margin
17.7%
FCF / Net income
0.70x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $256.1M · net income $64.4M · FCF $45.3M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $256.1M | $256.1M | $261.6M | — | $116.1M | $10.4M | $10.6M | $11.1M | $10.2M | $9.0M | $87.7M | $85.2M | $60.3M | $60.4M | $67.5M | $72.1M | $71.3M |
| Net Income | $64.4M | $64.4M | $54.8M | — | $35.7M | $15.7M | $22.8M | $27.1M | $8.2M | $11.8M | $11.5M | $8.0M | $10.3M | $9.1M | $4.5M | $-14.7M | $7.0M |
| EPS | 3.72 | 3.72 | 3.20 | — | 2.23 | 0.94 | 1.30 | 1.46 | 0.44 | 0.65 | 0.65 | 0.42 | 0.54 | 0.45 | — | — | — |
| Net Margin | 25.1% | 25.1% | 20.9% | — | 30.7% | 151.1% | 215.5% | 243.9% | 81.1% | 131.6% | 13.1% | 9.4% | 17.2% | 15.0% | 6.7% | -20.4% | 9.9% |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $45.3M | $45.3M | $42.4M | — | $32.5M | $-6.5M | $-42.0M | $5.5M | $27.9M | $12.3M | $28.1M | $-2.7M | $22.1M | $22.4M | $23.1M | $35.1M | $24.8M |
| Returns | |||||||||||||||||
| ROE | 10.7% | 10.7% | 9.9% | — | 9.2% | 4.0% | 5.6% | 6.6% | 2.0% | 3.0% | 3.2% | 2.2% | 2.7% | 2.5% | 2.6% | -8.8% | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | -2.1% | -2.1% | — | — | 1019.3% | -1.9% | -5.0% | 9.6% | 12.9% | -89.7% | 3.0% | 41.3% | -0.2% | -10.5% | -6.4% | 1.1% | — |
| EPS Growth | 16.3% | 16.3% | — | — | 137.2% | -27.7% | -11.0% | 231.8% | -32.3% | 0.0% | 54.8% | -22.2% | 20.0% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
3.4%
EPS terminal req.
$4.11
Spread vs growth
12.9%
5Y implied EPS CAGR
6.0%
EPS terminal req.
$4.97
Spread vs growth
10.3%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$8.00
Spread vs growth
8.3%
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.
Unavailable: positive start/end prices are required.