Financial Services / Banks - RegionalNasdaqCM
$8.69
+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 27.0/100
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
45/100
C
Piotroski
3/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$326M
P/E
9.7x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
0.63
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+47.4%
FCF CAGR
—
FCF margin
20.7%
FCF / Net income
0.71x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $115.1M · net income $33.5M · FCF $23.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $115.1M | $115.1M | $108.8M | $39.8M | $35.9M |
| Net Income | $33.5M | $33.5M | $26.2M | $-12.0M | $5.6M |
| EPS | — | — | 0.71 | -0.68 | 0.49 |
| Net Margin | 29.1% | 29.1% | 24.1% | -30.1% | 15.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.63 | 0.63 | 0.46 | 0.33 | 0.52 |
| Cash Flow | |||||
| Free Cash Flow | $23.8M | $23.8M | $22.6M | $-1.4M | $-2.3M |
| Returns | |||||
| ROE | 10.9% | 10.9% | 9.4% | -4.5% | 4.0% |
| Valuation | |||||
| P/E | 9.66 | 9.66 | 10.65 | — | 18.96 |
| P/B | 1.06 | 1.06 | 1.00 | 0.54 | 0.76 |
| Growth & Yield | |||||
| Revenue Growth | 5.8% | 5.8% | 173.3% | 10.7% | — |
| EPS Growth | — | — | 204.4% | -238.8% | — |
| Dividend Yield | 3.5% | 3.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+30.1%
Start / end P/E
n/dx → n/dx
EPS bridge
0.71 → n/d
Residual
+26.7%
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.