Financial Services / Banks - RegionalNasdaqGS
$17.84
-0.14 (-0.78%)
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 44.0/100
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
48/100
C
Piotroski
7/9
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
$212M
P/E
9.6x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
0.26
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
+17.2%
FCF CAGR
+13.7%
FCF margin
17.8%
FCF / Net income
1.03x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $126.9M · net income $21.8M · FCF $22.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $126.9M | $126.9M | $112.3M | $100.9M | $111.9M | $71.5M | $62.7M | $52.9M | $44.1M | $35.7M |
| Net Income | $21.8M | $21.8M | $16.3M | $13.2M | $21.8M | $35.6M | $26.4M | $10.5M | $8.2M | $3.0M |
| EPS | 1.89 | 1.89 | 1.45 | 1.16 | 1.79 | 1.44 | 2.13 | 0.81 | 0.64 | 0.24 |
| Net Margin | 17.2% | 17.2% | 14.6% | 13.1% | 19.5% | 49.8% | 42.2% | 19.8% | 18.5% | 8.5% |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.26 | 0.26 | 0.32 | 0.32 | 0.26 | 0.00 | — | — | 0.06 | 0.09 |
| Cash Flow | ||||||||||
| Free Cash Flow | $22.6M | $22.6M | $9.0M | $17.0M | $81.8M | $159.7M | $-159.2M | $20.8M | $9.4M | $8.1M |
| Returns | ||||||||||
| ROE | 10.9% | 10.9% | 9.5% | 8.4% | 14.2% | 21.5% | 18.7% | 8.7% | 7.5% | 3.0% |
| Valuation | ||||||||||
| P/E | 9.64 | 9.64 | 9.81 | 11.72 | 8.78 | — | — | — | — | — |
| P/B | 1.03 | 1.03 | 0.93 | 0.98 | 1.25 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 12.9% | 12.9% | 11.3% | -9.8% | — | 14.2% | 18.5% | 20.0% | 23.4% | — |
| EPS Growth | 30.3% | 30.3% | 25.0% | -35.2% | — | -32.8% | 162.0% | 28.3% | 159.2% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.7%
EPS terminal req.
$1.58
Spread vs growth
36.1%
5Y implied EPS CAGR
0.3%
EPS terminal req.
$1.92
Spread vs growth
30.1%
10Y implied EPS CAGR
5.0%
EPS terminal req.
$3.08
Spread vs growth
25.3%
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
+35.3%
Start / end P/E
9.3x → 9.4x
EPS bridge
1.45 → 1.89
Residual
+0.4%
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.