Financial Services / Banks - RegionalNasdaqCM
$22.96
+0.07 (+0.31%)
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 47.0/100
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
40/100
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
$163M
P/E
11.5x
↓EV/EBITDA
N/A
•ROE
7.1%
↑Gross Margin
N/A
•Debt/Equity
0.32
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+7.6%
FCF CAGR
-0.8%
FCF margin
14.5%
FCF / Net income
0.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $73.3M · net income $15.6M · FCF $10.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $73.3M | $73.3M | $65.8M | $80.1M | $75.3M | $2.4M | $62.1M | $58.8M | $43.8M |
| Net Income | $15.6M | $15.6M | $-10.0M | $26.6M | $26.7M | $22.2M | $15.7M | $13.9M | $9.2M |
| EPS | 1.76 | 1.76 | -1.60 | 3.25 | 3.26 | 2.65 | 1.85 | 1.69 | 1.38 |
| Net Margin | 21.3% | 21.3% | -15.2% | 33.2% | 35.4% | 913.9% | 25.3% | 23.7% | 21.0% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.32 | 0.32 | 0.35 | 0.33 | 0.87 | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $10.6M | $10.6M | $9.0M | $25.6M | $25.8M | $27.3M | $15.7M | $15.7M | $11.2M |
| Returns | |||||||||
| ROE | 7.1% | 7.1% | -4.8% | 12.0% | 13.5% | 11.7% | 9.4% | 10.2% | 7.6% |
| Valuation | |||||||||
| P/E | 11.54 | 11.54 | — | 7.24 | 8.25 | — | — | — | — |
| P/B | 0.80 | 0.80 | 0.64 | 0.80 | 1.02 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 11.4% | 11.4% | -17.8% | 6.3% | — | -96.1% | 5.5% | 34.2% | — |
| EPS Growth | 210.0% | 210.0% | -149.2% | -0.3% | — | 43.2% | 9.5% | 22.5% | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.0%
EPS terminal req.
$2.04
Spread vs growth
205.0%
5Y implied EPS CAGR
7.0%
EPS terminal req.
$2.47
Spread vs growth
203.0%
10Y implied EPS CAGR
8.5%
EPS terminal req.
$3.97
Spread vs growth
201.5%
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
+23.2%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.60 → 1.76
Residual
+21.4%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.