Financial Services / Banks - RegionalNasdaqGS
$36.48
-0.21 (-0.57%)
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 55.0/100
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
44/100
C
Piotroski
5/9
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
$252M
P/E
10.5x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
0.89
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+1.5%
FCF CAGR
+7.3%
FCF margin
28.4%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $80.3M · net income $23.8M · FCF $22.8M
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 | $80.3M | $80.3M | $72.9M | $55.1M | $72.7M | $64.5M | $63.0M | $64.0M | $57.8M | $50.9M | $46.0M | $45.8M | $44.5M | $45.7M | $49.1M | $53.5M | $58.7M | $63.6M |
| Net Income | $23.8M | $23.8M | $18.3M | $956000.00 | $20.8M | $22.5M | $14.3M | $16.1M | $10.7M | $3.4M | $7.3M | $8.6M | $7.7M | $5.0M | $2.8M | $2.9M | $-3.6M | $5.0M |
| EPS | — | — | 2.61 | 0.14 | 2.94 | 3.15 | 1.96 | 2.20 | 1.52 | 0.50 | 1.10 | 1.30 | 1.20 | 0.71 | 0.18 | 0.15 | -0.95 | 0.51 |
| Net Margin | 29.6% | 29.6% | 25.0% | 1.7% | 28.5% | 34.9% | 22.7% | 25.2% | 18.5% | 6.7% | 15.8% | 18.8% | 17.2% | 10.9% | 5.7% | 5.3% | -6.0% | 7.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.89 | 0.89 | 0.89 | 1.16 | 1.17 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $22.8M | $22.8M | $22.6M | $15.5M | $17.7M | $29.6M | $19.2M | $17.2M | $14.0M | $11.2M | $12.3M | — | — | — | $13.5M | $17.4M | $20.9M | $7.4M |
| Returns | ||||||||||||||||||
| ROE | 13.7% | 13.7% | 12.2% | 0.7% | 16.3% | 15.1% | 10.9% | 14.0% | 10.8% | 3.7% | 8.0% | 9.9% | 9.5% | 6.7% | 3.1% | 2.8% | -3.5% | 4.6% |
| Valuation | ||||||||||||||||||
| P/E | 10.45 | 10.45 | 11.29 | 177.64 | 7.37 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.44 | 1.44 | 1.38 | 1.25 | 1.20 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 10.1% | 10.1% | 32.2% | -24.2% | — | 2.3% | -1.5% | 10.7% | 13.4% | 10.7% | 0.6% | 2.8% | -2.6% | -7.0% | -8.1% | -9.0% | -7.6% | — |
| EPS Growth | — | — | 1764.3% | -95.2% | — | 60.6% | -10.9% | 45.1% | 203.7% | -54.6% | -15.2% | 8.1% | 68.8% | 300.0% | 22.4% | 115.4% | -286.9% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+28.8%
Start / end P/E
n/dx → n/dx
EPS bridge
2.61 → n/d
Residual
+26.6%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.