Financial Services / Banks - RegionalNYSE
$89.36
+0.87 (+0.98%)
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 41.0/100
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
46/100
C
Piotroski
5/9
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
$1.1B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2015–2025 · 10 años de histórico normalizado
Revenue CAGR
+24.4%
FCF CAGR
+36.4%
FCF margin
28.3%
FCF / Net income
1.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $291.1M · net income $71.1M · FCF $82.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | $291.1M | $291.1M | $260.1M | $237.6M | $245.3M | $173.3M | $143.1M | $129.8M | $83.9M | $60.9M | $44.2M | $32.7M |
| Net Income | $71.1M | $71.1M | $66.7M | $77.3M | $59.4M | $60.6M | $39.5M | $30.1M | $25.6M | $12.4M | $5.0M | $4.3M |
| EPS | 6.62 | 6.62 | 5.93 | 6.91 | 5.29 | 6.45 | 4.66 | 3.56 | 3.06 | 2.34 | 0.43 | 1.54 |
| Net Margin | 24.4% | 24.4% | 25.6% | 32.5% | 24.2% | 34.9% | 27.6% | 23.2% | 30.4% | 20.3% | 11.4% | 13.1% |
| Balance Sheet | ||||||||||||
| Debt/Equity | 0.01 | 0.01 | 0.63 | 0.83 | 0.45 | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||
| Free Cash Flow | $82.4M | $82.4M | $145.8M | $36.7M | $66.6M | — | — | — | $25.1M | $29.3M | $13.4M | $3.7M |
| Returns | ||||||||||||
| ROE | 9.6% | 9.6% | 9.1% | 11.7% | 10.3% | 10.9% | 11.6% | 10.1% | 9.7% | 5.2% | 4.6% | 5.6% |
| Valuation | ||||||||||||
| P/E | 11.05 | 11.05 | 10.03 | 7.45 | 11.01 | — | — | — | — | — | — | — |
| P/B | 1.29 | 1.29 | 0.92 | 0.87 | 1.13 | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||
| Revenue Growth | 11.9% | 11.9% | 9.4% | -3.1% | — | 21.1% | 10.3% | 54.6% | 37.9% | 37.8% | 35.1% | — |
| EPS Growth | 11.6% | 11.6% | -14.2% | 30.6% | — | 38.4% | 30.9% | 16.3% | 30.8% | 444.2% | -72.1% | — |
| Dividend Yield | 1.1% | 1.1% | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.2%
EPS terminal req.
$7.93
Spread vs growth
5.4%
5Y implied EPS CAGR
7.7%
EPS terminal req.
$9.59
Spread vs growth
3.9%
10Y implied EPS CAGR
8.8%
EPS terminal req.
$15.45
Spread vs growth
2.8%
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
+42.0%
Start / end P/E
10.7x → 13.5x
EPS bridge
5.93 → 6.62
Residual
+3.0%
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.