Financial Services / Banks - RegionalNasdaqCM
$41.49
+0.71 (+1.74%)
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 36.0/100
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
45/100
C
Piotroski
6/9
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
$299M
P/E
15.3x
↑EV/EBITDA
N/A
•ROE
8.2%
↑Gross Margin
N/A
•Debt/Equity
0.32
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+1.7%
FCF CAGR
+2.7%
FCF margin
30.6%
FCF / Net income
1.23x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $76.3M · net income $18.9M · FCF $23.3M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $76.3M | $76.3M | $68.4M | $70.0M | $71.2M | $60.1M | $64.2M | $67.3M | $5.7M | $5.4M | $5.2M | $51.5M | $51.1M | $50.4M | $56.4M | $57.9M | $57.2M | $58.1M |
| Net Income | $18.9M | $18.9M | $13.9M | $18.2M | $22.2M | $19.5M | $10.9M | $13.0M | $14.0M | $13.2M | $13.8M | $15.1M | $13.7M | $12.5M | $12.2M | $10.2M | $9.0M | $7.8M |
| EPS | 2.56 | 2.56 | 1.86 | 2.40 | 2.91 | 2.45 | 1.34 | 1.61 | 1.74 | 1.65 | 1.73 | 1.90 | 1.74 | 1.59 | 1.56 | 1.31 | 1.17 | 1.01 |
| Net Margin | 24.8% | 24.8% | 20.3% | 26.0% | 31.2% | 32.4% | 17.0% | 19.4% | 247.9% | 245.8% | 266.1% | 29.4% | 26.8% | 24.8% | 21.6% | 17.6% | 15.8% | 13.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.32 | 0.32 | 0.28 | 0.34 | 0.16 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $23.3M | $23.3M | $17.5M | $20.1M | $23.7M | $23.9M | $20.5M | $22.0M | $19.7M | $17.6M | $16.4M | $7.0M | $14.8M | $21.1M | $15.9M | $16.3M | $23.3M | $15.2M |
| Returns | ||||||||||||||||||
| ROE | 8.2% | 8.2% | 6.6% | 9.0% | 11.9% | 9.2% | 5.0% | 6.2% | 7.2% | 6.8% | 7.3% | 8.2% | 7.9% | 7.8% | 7.4% | 6.6% | 6.2% | 5.5% |
| Valuation | ||||||||||||||||||
| P/E | 15.31 | 15.31 | 13.97 | 9.00 | 7.68 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.32 | 1.32 | 0.92 | 0.81 | 0.92 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 11.5% | 11.5% | -2.2% | -1.7% | — | -6.3% | -4.7% | 1090.2% | 5.0% | 3.9% | -89.9% | 0.7% | 1.4% | -10.6% | -2.6% | 1.2% | -1.5% | — |
| EPS Growth | 37.6% | 37.6% | -22.5% | -17.5% | — | 82.8% | -16.8% | -7.5% | 5.5% | -4.6% | -8.9% | 9.2% | 9.4% | 1.9% | 19.1% | 12.0% | 15.8% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
12.9%
EPS terminal req.
$3.68
Spread vs growth
24.8%
5Y implied EPS CAGR
11.7%
EPS terminal req.
$4.45
Spread vs growth
25.9%
10Y implied EPS CAGR
10.9%
EPS terminal req.
$7.17
Spread vs growth
26.8%
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
+53.7%
Start / end P/E
14.8x → 16.2x
EPS bridge
1.86 → 2.56
Residual
+3.6%
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.