Financial Services / Banks - RegionalNasdaqGS
$8.11
-0.13 (-1.58%)
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 19.0/100
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
29/100
D
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
$510M
P/E
14.2x
↑EV/EBITDA
N/A
•ROE
3.5%
↓Gross Margin
N/A
•Debt/Equity
1.68
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+4.7%
FCF CAGR
—
FCF margin
13.9%
FCF / Net income
0.82x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $154.0M · net income $26.1M · FCF $21.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $154.0M | $154.0M | $140.6M | $178.6M | $210.5M | $238.1M | $237.8M | $237.3M | $171.4M | $139.1M | $126.9M | $106.0M | $95.8M | $88.3M |
| Net Income | $26.1M | $26.1M | $-86.7M | $40.8M | $67.5M | $63.2M | $45.0M | $42.1M | $19.6M | $18.6M | $15.8M | $5.6M | $10.2M | $6.5M |
| EPS | 0.42 | 0.42 | -1.39 | 0.63 | 0.95 | 0.77 | 0.55 | 0.46 | 0.24 | 0.22 | 0.18 | 0.06 | 0.11 | 0.07 |
| Net Margin | 16.9% | 16.9% | -61.6% | 22.8% | 32.1% | 26.6% | 18.9% | 17.8% | 11.4% | 13.4% | 12.5% | 5.3% | 10.6% | 7.4% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 1.68 | 1.68 | 2.14 | 1.73 | 1.01 | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $21.4M | $21.4M | $42.6M | $68.2M | $78.4M | $70.0M | $13.4M | $32.9M | $36.8M | $34.5M | $37.0M | — | — | — |
| Returns | ||||||||||||||
| ROE | 3.5% | 3.5% | -11.5% | 4.7% | 7.6% | 6.1% | 4.1% | 3.7% | 1.5% | 1.8% | 1.4% | 0.5% | 2.1% | 1.4% |
| Valuation | ||||||||||||||
| P/E | 14.23 | 14.23 | — | 11.17 | 11.83 | — | — | — | — | — | — | — | — | — |
| P/B | 0.68 | 0.68 | 0.48 | 0.52 | 0.89 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 9.5% | 9.5% | -21.3% | -15.2% | — | 0.1% | 0.2% | 38.4% | 23.2% | 9.6% | 19.7% | 10.7% | 8.6% | — |
| EPS Growth | 130.2% | 130.2% | -320.6% | -33.7% | — | 40.0% | 19.6% | 91.7% | 9.1% | 22.2% | 200.0% | -45.5% | 57.1% | — |
| Dividend Yield | 5.4% | 5.4% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.7%
EPS terminal req.
$0.72
Spread vs growth
110.6%
5Y implied EPS CAGR
15.7%
EPS terminal req.
$0.87
Spread vs growth
114.5%
10Y implied EPS CAGR
12.8%
EPS terminal req.
$1.40
Spread vs growth
117.4%
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
+39.9%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.39 → 0.42
Residual
+34.5%
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.