Financial Services / Banks - RegionalLSE
$25.00
+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 60.0/100
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
32/100
D
Piotroski
2/9
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
$31M
P/E
6.3x
↓EV/EBITDA
N/A
•ROE
14.7%
↑Gross Margin
N/A
•Debt/Equity
1.27
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.7%
FCF CAGR
—
FCF margin
10.9%
FCF / Net income
0.64x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $37.3M · net income $6.4M · FCF $4.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $37.3M | $37.3M | $34.4M | $31.5M | $26.1M |
| Net Income | $6.4M | $6.4M | $8.1M | $5.3M | $4.3M |
| EPS | 0.04 | 0.04 | 0.05 | 0.04 | 0.03 |
| Net Margin | 17.1% | 17.1% | 23.6% | 16.8% | 16.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.27 | 1.27 | 1.26 | 1.16 | 1.11 |
| Current Ratio | 1.00 | 1.00 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $4.1M | $4.1M | $4.7M | $14.6M | $-5.0M |
| Returns | |||||
| ROE | 14.7% | 14.7% | 21.7% | 15.1% | 14.6% |
| Valuation | |||||
| P/E | 6.25 | 6.25 | 255.10 | 441.60 | 714.29 |
| P/B | 89.27 | 89.27 | 56.63 | 69.07 | 117.00 |
| Growth & Yield | |||||
| Revenue Growth | 8.5% | 8.5% | 9.3% | 20.7% | — |
| EPS Growth | -21.2% | -21.2% | 53.6% | 11.4% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
273.7%
EPS terminal req.
$2.22
Spread vs growth
-294.9%
5Y implied EPS CAGR
129.1%
EPS terminal req.
$2.68
Spread vs growth
-150.3%
10Y implied EPS CAGR
58.8%
EPS terminal req.
$4.32
Spread vs growth
-79.9%
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
+30.3%
Start / end P/E
361.8x → 588.2x
EPS bridge
0.05 → 0.04
Residual
-13.2%
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.