Financial Services / Banks - RegionalNasdaqGM
$15.82
+0.26 (+1.67%)
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 22.0/100
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
35/100
D
Piotroski
6/9
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
$124M
P/E
14.5x
↑EV/EBITDA
N/A
•ROE
5.1%
↓Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+1.0%
FCF CAGR
-1.6%
FCF margin
26.7%
FCF / Net income
1.02x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $27.8M · net income $7.3M · FCF $7.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $27.8M | $27.8M | $24.4M | $27.0M | $27.0M |
| Net Income | $7.3M | $7.3M | $4.9M | $4.8M | $5.7M |
| EPS | 0.97 | 0.97 | 0.88 | 0.82 | 0.97 |
| Net Margin | 26.1% | 26.1% | 20.2% | 17.9% | 21.1% |
| Balance Sheet | |||||
| Debt/Equity | — | — | 0.11 | 0.41 | 0.46 |
| Cash Flow | |||||
| Free Cash Flow | $7.4M | $7.4M | $2.5M | $5.8M | $7.8M |
| Returns | |||||
| ROE | 5.1% | 5.1% | 5.5% | 5.6% | 7.0% |
| Valuation | |||||
| P/E | 14.51 | 14.51 | 11.15 | 10.95 | 9.75 |
| P/B | 0.84 | 0.84 | 0.61 | 0.61 | 0.69 |
| Growth & Yield | |||||
| Revenue Growth | 14.2% | 14.2% | -9.7% | -0.2% | — |
| EPS Growth | 10.2% | 10.2% | 7.3% | -15.5% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
13.1%
EPS terminal req.
$1.40
Spread vs growth
-2.9%
5Y implied EPS CAGR
11.9%
EPS terminal req.
$1.70
Spread vs growth
-1.6%
10Y implied EPS CAGR
10.9%
EPS terminal req.
$2.74
Spread vs growth
-0.7%
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
+38.8%
Start / end P/E
13.2x → 16.3x
EPS bridge
0.88 → 0.97
Residual
+2.4%
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.