Financial Services / Banks - RegionalNasdaqGM
$28.01
-0.41 (-1.44%)
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 39.0/100
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
52/100
C
Piotroski
7/9
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
$171M
P/E
8.9x
↓EV/EBITDA
N/A
•ROE
11.7%
↑Gross Margin
N/A
•Debt/Equity
0.20
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+6.1%
FCF CAGR
+12.5%
FCF margin
29.8%
FCF / Net income
1.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $70.6M · net income $18.8M · FCF $21.0M
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 | $70.6M | $70.6M | $60.5M | $56.5M | $52.6M | $39.8M | $39.3M | $37.1M | $33.2M | $29.7M | $29.2M | $29.0M | $27.9M | $22.1M | $22.1M | $22.6M | $24.4M | $27.3M |
| Net Income | $18.8M | $18.8M | $13.0M | $12.2M | $9.9M | $18.0M | $19.5M | $10.7M | $10.4M | $4.4M | $9.0M | $10.5M | $8.0M | $4.7M | $6.4M | $4.5M | $2.0M | $3.3M |
| EPS | 3.07 | 3.07 | 2.15 | 2.02 | 1.62 | 2.96 | 3.21 | 1.81 | 1.79 | 0.79 | 1.65 | 1.97 | 1.61 | 1.01 | 1.46 | 1.04 | 0.47 | 0.77 |
| Net Margin | 26.6% | 26.6% | 21.5% | 21.6% | 18.8% | 45.2% | 49.7% | 28.7% | 31.4% | 14.7% | 30.7% | 36.2% | 28.9% | 21.1% | 28.9% | 19.9% | 8.4% | 12.0% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.20 | 0.20 | 0.55 | 0.68 | 0.61 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $21.0M | $21.0M | $11.9M | $11.6M | $23.9M | $29.8M | $14.5M | $8.1M | $19.9M | $1.6M | $18.4M | — | — | — | $11.6M | $12.7M | $-2.4M | $3.2M |
| Returns | ||||||||||||||||||
| ROE | 11.7% | 11.7% | 9.5% | 9.6% | 8.9% | 13.3% | 15.4% | 9.8% | 11.3% | 5.0% | 10.5% | 13.0% | 11.2% | 7.4% | 10.1% | 7.6% | 3.8% | 6.1% |
| Valuation | ||||||||||||||||||
| P/E | 8.95 | 8.95 | 10.63 | 8.89 | 11.52 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.07 | 1.07 | 1.02 | 0.86 | 1.02 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 16.8% | 16.8% | 7.0% | 7.5% | — | 1.5% | 5.8% | 11.9% | 11.6% | 1.6% | 0.8% | 4.1% | 25.9% | 0.3% | -2.4% | -7.2% | -10.7% | — |
| EPS Growth | 42.6% | 42.6% | 6.4% | 24.5% | — | -8.0% | 77.1% | 1.6% | 126.0% | -52.0% | -16.5% | 22.2% | 60.0% | -31.1% | 41.0% | 119.0% | -38.2% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.8%
EPS terminal req.
$2.49
Spread vs growth
49.4%
5Y implied EPS CAGR
-0.4%
EPS terminal req.
$3.01
Spread vs growth
43.0%
10Y implied EPS CAGR
4.7%
EPS terminal req.
$4.84
Spread vs growth
38.0%
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
+4.0%
Start / end P/E
12.9x → 9.1x
EPS bridge
2.15 → 3.07
Residual
-12.4%
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.