Financial Services / Banks - RegionalNasdaqGS
$32.43
-0.23 (-0.70%)
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 61.0/100
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
39/100
D
Piotroski
3/9
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
$929M
P/E
11.7x
↓EV/EBITDA
N/A
•ROE
12.6%
↑Gross Margin
N/A
•Debt/Equity
0.97
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
-15.8%
FCF margin
24.1%
FCF / Net income
0.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $153.4M · net income $68.5M · FCF $37.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $153.4M | $153.4M | $139.7M | $118.0M | $134.7M | — | — | — | — | — |
| Net Income | $68.5M | $68.5M | $64.5M | $51.6M | $62.6M | $61.7M | $36.4M | $44.7M | $41.3M | $31.9M |
| EPS | 2.64 | 2.64 | 2.52 | 2.02 | 2.55 | 2.39 | 1.41 | 1.81 | 1.69 | 1.32 |
| Net Margin | 44.7% | 44.7% | 46.2% | 43.7% | 46.5% | — | — | — | — | — |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.97 | 0.97 | 0.91 | 0.87 | 1.10 | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $37.0M | $37.0M | $62.2M | $77.2M | $132.3M | $65.0M | $142.0M | $31.1M | $-163.8M | $145.9M |
| Returns | ||||||||||
| ROE | 12.6% | 12.6% | 15.3% | 13.5% | 17.9% | 21.3% | 14.9% | 20.6% | 24.5% | 23.6% |
| Valuation | ||||||||||
| P/E | 11.67 | 11.67 | 12.65 | 11.66 | 8.35 | — | — | — | — | — |
| P/B | 1.55 | 1.55 | 1.93 | 1.58 | 1.57 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 9.8% | 9.8% | 18.3% | -12.4% | — | — | — | — | — | — |
| EPS Growth | 4.8% | 4.8% | 24.8% | -20.8% | — | 69.5% | -22.1% | 7.1% | 28.0% | — |
| Dividend Yield | 3.2% | 3.2% | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.9%
EPS terminal req.
$2.88
Spread vs growth
1.8%
5Y implied EPS CAGR
5.7%
EPS terminal req.
$3.48
Spread vs growth
-0.9%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$5.61
Spread vs growth
-3.1%
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
+19.3%
Start / end P/E
11.1x → 12.3x
EPS bridge
2.52 → 2.64
Residual
+0.5%
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.