Financial Services / Banks - RegionalNasdaqGM
$32.11
-0.54 (-1.65%)
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
29/100
D
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
$814M
P/E
14.6x
↑EV/EBITDA
N/A
•ROE
6.9%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
—
FCF / Net income
1.28x
Latest source
Provider fallback
Margin decomposition
Último año: revenue — · net income $56.2M · FCF $71.8M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | — | — | — | — | $169.5M | $129.1M | $107.9M | $95.3M | $68.7M | $43.9M | $40.2M | $36.5M | $30.6M | $29.0M | $30.4M | $31.5M | $30.1M | $31.3M |
| Net Income | $56.2M | $56.2M | $49.4M | $37.4M | $54.8M | — | $26.2M | $17.7M | $10.6M | $7.1M | $7.8M | $6.5M | $5.7M | $4.9M | $5.0M | $4.5M | $2.7M | $-2.3M |
| EPS | 2.55 | 2.55 | 2.90 | 2.29 | 3.44 | — | 3.10 | 2.09 | 1.48 | 1.67 | 1.85 | 1.47 | 1.53 | 1.32 | 1.27 | 1.16 | 0.64 | -0.81 |
| Net Margin | — | — | — | — | 32.3% | — | 24.3% | 18.6% | 15.4% | 16.2% | 19.4% | 17.9% | 18.6% | 17.0% | 16.3% | 14.4% | 9.1% | -7.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.12 | 0.66 | 0.14 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $71.8M | $71.8M | $44.5M | $49.6M | $55.7M | — | $10.4M | $3.9M | $2.0M | $5.0M | $21.1M | — | — | $10.1M | $8.4M | $7.0M | $5.7M | $-554000.00 |
| Returns | ||||||||||||||||||
| ROE | 6.9% | 6.9% | 7.5% | 6.9% | 10.7% | — | 10.3% | 7.4% | 4.7% | 9.4% | 11.1% | 9.3% | 9.6% | 9.3% | 9.5% | 8.5% | 5.7% | — |
| Valuation | ||||||||||||||||||
| P/E | 14.60 | 14.60 | 9.79 | 10.47 | 8.91 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.87 | 0.87 | 0.74 | 0.72 | 0.95 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | — | — | — | — | 31.3% | — | 13.2% | 38.8% | 56.4% | 9.2% | 10.2% | 19.1% | 5.7% | -4.6% | -3.7% | 4.6% | -3.8% | — |
| EPS Growth | -12.1% | -12.1% | 26.6% | -33.4% | — | — | 48.3% | 41.2% | -11.4% | -9.7% | 25.9% | -3.9% | 15.9% | 3.9% | 9.5% | 81.2% | 179.0% | — |
| Dividend Yield | 2.6% | 2.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.8%
EPS terminal req.
$2.85
Spread vs growth
-15.8%
5Y implied EPS CAGR
6.2%
EPS terminal req.
$3.45
Spread vs growth
-18.3%
10Y implied EPS CAGR
8.1%
EPS terminal req.
$5.55
Spread vs growth
-20.2%
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
+23.1%
Start / end P/E
9.2x → 12.6x
EPS bridge
2.90 → 2.55
Residual
-4.5%
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.