Financial Services / Banks - RegionalNasdaqCM
$16.35
+0.00 (+0.00%)
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 34.0/100
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
32/100
D
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
$233M
P/E
N/A
•EV/EBITDA
N/A
•ROE
8.4%
↑Gross Margin
N/A
•Debt/Equity
0.38
↑Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+7.0%
FCF CAGR
+9.9%
FCF margin
32.5%
FCF / Net income
1.45x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $102.7M · net income $23.1M · FCF $33.4M
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 | $102.7M | $102.7M | $105.0M | $79.6M | $65.8M | $61.2M | $63.8M | $65.2M | $54.6M | $44.5M | $43.8M | $42.7M | $39.5M | $6.4M | $29.9M | $32.1M | $34.0M | $34.9M |
| Net Income | $23.1M | $23.1M | $13.5M | $12.6M | $22.1M | $21.0M | $20.1M | $18.9M | $14.8M | $13.0M | $12.5M | $11.5M | $9.9M | $8.8M | $8.3M | $8.1M | $9.4M | $7.8M |
| EPS | 1.63 | 1.63 | 0.97 | 1.10 | 1.93 | 1.66 | 1.55 | 1.44 | 1.24 | 1.29 | 1.25 | 1.17 | 1.05 | 1.10 | 1.22 | — | — | — |
| Net Margin | 22.5% | 22.5% | 12.8% | 15.9% | 33.7% | 34.3% | 31.5% | 29.0% | 27.2% | 29.2% | 28.5% | 26.9% | 25.0% | 136.2% | 27.6% | 25.3% | 27.5% | 22.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.38 | 0.38 | 0.61 | 0.48 | 0.10 | 0.04 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $33.4M | $33.4M | $89.4M | $20.8M | $27.8M | $15.9M | $10.9M | $18.0M | $19.1M | $11.5M | $6.0M | $12.7M | $14.9M | $9.6M | $10.5M | $8.1M | $12.4M | $7.4M |
| Returns | ||||||||||||||||||
| ROE | 8.4% | 8.4% | 5.3% | 5.4% | 11.0% | 8.8% | 8.3% | 8.3% | 6.8% | 8.6% | 8.7% | 8.2% | 7.9% | 7.4% | 10.1% | 10.4% | 13.3% | 11.8% |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -2.2% | -2.2% | 31.9% | 21.1% | 7.5% | -4.1% | -2.2% | 19.4% | 22.8% | 1.6% | 2.6% | 8.1% | 512.5% | -78.5% | -6.7% | -5.7% | -2.5% | — |
| EPS Growth | 68.0% | 68.0% | -11.8% | -43.0% | 16.3% | 7.1% | 7.6% | 16.1% | -3.9% | 3.2% | 6.8% | 11.4% | -4.5% | -9.8% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.8%
EPS terminal req.
$1.45
Spread vs growth
71.8%
5Y implied EPS CAGR
1.5%
EPS terminal req.
$1.76
Spread vs growth
66.5%
10Y implied EPS CAGR
5.7%
EPS terminal req.
$2.83
Spread vs growth
62.4%
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.
Unavailable: positive start/end prices are required.