Financial Services / Banks - RegionalNasdaqGM
$17.40
+0.10 (+0.58%)
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 29.0/100
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
41/100
C
Piotroski
6/9
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
$112M
P/E
9.8x
↓EV/EBITDA
N/A
•ROE
8.2%
↑Gross Margin
N/A
•Debt/Equity
0.41
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+2.4%
FCF CAGR
+2.4%
FCF margin
27.6%
FCF / Net income
1.01x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $35.6M · net income $9.8M · FCF $9.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $35.6M | $35.6M | $31.5M | $30.4M | $29.7M | $28.5M | $26.9M | $27.1M | $24.4M | $22.0M | $20.5M | $19.4M | $19.5M | $19.7M | $20.8M | $22.2M | $25.1M |
| Net Income | $9.8M | $9.8M | $7.8M | $7.7M | $7.9M | $6.1M | $2.2M | $3.0M | $2.0M | $1.4M | $1.1M | $897000.00 | $574000.00 | $262000.00 | $509000.00 | $-249000.00 | $3.9M |
| EPS | 1.56 | 1.56 | 1.23 | 1.20 | 1.17 | 1.01 | — | — | 0.29 | 0.20 | 0.16 | 0.12 | 0.08 | 0.04 | 0.07 | -0.03 | — |
| Net Margin | 27.4% | 27.4% | 24.7% | 25.4% | 26.6% | 21.5% | 8.1% | 11.1% | 8.3% | 6.5% | 5.3% | 4.6% | 2.9% | 1.3% | 2.4% | -1.1% | 15.7% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.41 | 0.41 | 0.26 | 0.28 | 0.16 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $9.8M | $9.8M | $5.5M | $8.2M | $10.8M | $8.8M | $667000.00 | $5.7M | $4.3M | $3.3M | $8.3M | — | $5.4M | $10.6M | $12.5M | $14.6M | $6.9M |
| Returns | |||||||||||||||||
| ROE | 8.2% | 8.2% | 7.0% | 7.4% | 8.0% | 6.3% | — | — | — | — | — | — | — | — | — | — | — |
| Valuation | |||||||||||||||||
| P/E | 9.78 | 9.78 | 9.99 | 7.97 | 10.64 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.91 | 0.91 | 0.70 | 0.59 | 0.86 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 12.9% | 12.9% | 3.7% | 2.3% | — | 5.9% | -0.6% | 11.3% | 10.8% | 7.5% | 5.2% | -0.5% | -0.7% | -5.4% | -6.4% | -11.5% | — |
| EPS Growth | 26.8% | 26.8% | 2.5% | 2.6% | — | — | — | — | 45.8% | 26.3% | 26.7% | 50.0% | 100.0% | -44.4% | 325.0% | — | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-0.3%
EPS terminal req.
$1.54
Spread vs growth
27.2%
5Y implied EPS CAGR
3.7%
EPS terminal req.
$1.87
Spread vs growth
23.2%
10Y implied EPS CAGR
6.8%
EPS terminal req.
$3.01
Spread vs growth
20.0%
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
+11.7%
Start / end P/E
12.9x → 11.2x
EPS bridge
1.23 → 1.56
Residual
-3.7%
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.