Financial Services / Banks - RegionalNasdaqGM
$27.89
-0.54 (-1.90%)
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 30.0/100
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
40/100
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
$385M
P/E
12.3x
↓EV/EBITDA
N/A
•ROE
7.6%
↑Gross Margin
N/A
•Debt/Equity
0.47
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2012–2025 · 13 años de histórico normalizado
Revenue CAGR
+15.0%
FCF CAGR
—
FCF margin
18.7%
FCF / Net income
0.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $90.2M · net income $22.9M · FCF $16.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||
| Revenue | $90.2M | $90.2M | $82.4M | $82.4M | $108.4M | $73.0M | $74.5M | $69.1M | $73.9M | $53.3M | $43.2M | $37.3M | $31.4M | $22.5M | $14.6M |
| Net Income | $22.9M | $22.9M | $20.3M | $16.7M | $35.7M | $8.0M | $13.9M | $16.8M | $13.6M | $8.2M | $7.9M | $7.1M | $5.4M | $3.2M | $2.4M |
| EPS | 2.13 | 2.13 | 2.04 | 1.69 | 3.50 | 0.76 | 1.27 | 1.66 | 1.39 | 0.96 | 1.10 | 0.97 | 0.93 | 0.81 | 0.71 |
| Net Margin | 25.4% | 25.4% | 24.6% | 20.2% | 32.9% | 11.0% | 18.7% | 24.4% | 18.4% | 15.4% | 18.3% | 18.9% | 17.2% | 14.1% | 16.2% |
| Balance Sheet | |||||||||||||||
| Debt/Equity | 0.47 | 0.47 | 0.38 | 0.34 | 2.04 | 0.04 | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||
| Free Cash Flow | $16.8M | $16.8M | $15.4M | $25.2M | $41.7M | — | — | — | $11.5M | $7.4M | $33.3M | — | — | — | — |
| Returns | |||||||||||||||
| ROE | 7.6% | 7.6% | 8.4% | 7.4% | 16.5% | 3.3% | 5.7% | 7.0% | 7.5% | 4.7% | 7.0% | 6.5% | 5.2% | 5.7% | 5.4% |
| Valuation | |||||||||||||||
| P/E | 12.29 | 12.29 | 10.41 | 9.44 | 6.21 | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.00 | 1.00 | 0.87 | 0.69 | 1.03 | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||
| Revenue Growth | 9.5% | 9.5% | 0.0% | -24.0% | — | -2.0% | 7.7% | -6.4% | 38.5% | 23.6% | 15.6% | 19.0% | 39.6% | 54.1% | — |
| EPS Growth | 4.4% | 4.4% | 20.7% | -51.7% | — | -40.2% | -23.5% | 19.4% | 44.8% | -12.7% | 13.4% | 4.3% | 14.8% | 14.1% | — |
| Dividend Yield | 1.6% | 1.6% | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.1%
EPS terminal req.
$2.47
Spread vs growth
-0.7%
5Y implied EPS CAGR
7.1%
EPS terminal req.
$2.99
Spread vs growth
-2.6%
10Y implied EPS CAGR
8.5%
EPS terminal req.
$4.82
Spread vs growth
-4.1%
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
+48.5%
Start / end P/E
9.3x → 13.1x
EPS bridge
2.04 → 2.13
Residual
+1.8%
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.