Financial Services / Banks - RegionalNasdaqGS
$59.22
-1.41 (-2.33%)
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 55.0/100
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
37/100
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
$1.5B
P/E
13.9x
↑EV/EBITDA
N/A
•ROE
13.6%
↑Gross Margin
N/A
•Debt/Equity
0.24
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+5.4%
FCF CAGR
+9.9%
FCF margin
38.6%
FCF / Net income
1.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $269.0M · net income $103.4M · FCF $103.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $269.0M | $269.0M | $253.5M | $246.9M | $244.7M | $193.2M | $193.1M | $215.2M | $199.0M | $165.7M | $139.0M | $122.5M | $117.3M | $107.7M | $114.4M | $121.9M | $123.5M | $116.3M |
| Net Income | $103.4M | $103.4M | $93.5M | $93.8M | $103.8M | $95.7M | $84.3M | $87.0M | $80.4M | $57.3M | $52.1M | $46.4M | $43.8M | $38.8M | $35.4M | $30.7M | $24.5M | $19.0M |
| EPS | 4.01 | 4.01 | 3.63 | 3.65 | 4.04 | 3.74 | 3.30 | 3.38 | 3.13 | 2.23 | 2.05 | 1.84 | 1.74 | 1.55 | 1.43 | 1.25 | 0.88 | 0.84 |
| Net Margin | 38.4% | 38.4% | 36.9% | 38.0% | 42.4% | 49.5% | 43.7% | 40.4% | 40.4% | 34.6% | 37.5% | 37.8% | 37.3% | 36.1% | 30.9% | 25.2% | 19.9% | 16.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.24 | 0.24 | — | 0.08 | 0.48 | 0.11 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $103.8M | $103.8M | $93.9M | $108.0M | $164.5M | $107.6M | $81.5M | $92.0M | $97.0M | $67.7M | $52.4M | $46.6M | $49.1M | $55.5M | $47.7M | $44.7M | $42.7M | $22.9M |
| Returns | ||||||||||||||||||
| ROE | 13.6% | 13.6% | 13.7% | 14.4% | 18.3% | 13.6% | 12.8% | 14.6% | 15.4% | 12.2% | 12.2% | 11.8% | 12.1% | 12.1% | 11.9% | 11.2% | 9.9% | 6.8% |
| Valuation | ||||||||||||||||||
| P/E | 13.87 | 13.87 | 18.79 | 17.32 | 18.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 2.00 | 2.00 | 2.57 | 2.50 | 3.33 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 6.1% | 6.1% | 2.7% | 0.9% | — | 0.1% | -10.3% | 8.2% | 20.1% | 19.2% | 13.4% | 4.5% | 8.9% | -5.8% | -6.2% | -1.3% | 6.2% | — |
| EPS Growth | 10.5% | 10.5% | -0.5% | -9.7% | — | 13.3% | -2.4% | 8.0% | 40.4% | 8.8% | 11.4% | 5.7% | 12.0% | 8.4% | 14.4% | 42.4% | 4.8% | — |
| Dividend Yield | 3.5% | 3.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.4%
EPS terminal req.
$5.25
Spread vs growth
1.0%
5Y implied EPS CAGR
9.7%
EPS terminal req.
$6.36
Spread vs growth
0.8%
10Y implied EPS CAGR
9.8%
EPS terminal req.
$10.24
Spread vs growth
0.6%
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
+2.4%
Start / end P/E
16.5x → 14.8x
EPS bridge
3.63 → 4.01
Residual
-1.1%
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.