Financial Services / Banks - RegionalOTC Markets OTCID
$105.98
-0.01 (-0.01%)
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 71.0/100
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
47/100
C
Piotroski
5/9
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
$325M
P/E
12.1x
↓EV/EBITDA
N/A
•ROE
12.3%
↑Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.4%
FCF CAGR
-0.1%
FCF margin
32.8%
FCF / Net income
1.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $82.9M · net income $27.1M · FCF $27.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $82.9M | $82.9M | $78.4M | $74.7M | $61.6M |
| Net Income | $27.1M | $27.1M | $30.1M | $30.5M | $24.3M |
| EPS | 9.10 | 9.10 | 10.22 | 10.47 | 8.38 |
| Net Margin | 32.7% | 32.7% | 38.5% | 40.8% | 39.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.05 | 0.05 | 0.12 | 0.27 | 0.18 |
| Cash Flow | |||||
| Free Cash Flow | $27.2M | $27.2M | $34.2M | $31.7M | $27.3M |
| Returns | |||||
| ROE | 12.3% | 12.3% | 15.9% | 19.4% | 19.6% |
| Valuation | |||||
| P/E | 12.06 | 12.06 | 8.88 | 7.43 | 9.07 |
| P/B | 1.43 | 1.43 | 1.41 | 1.44 | 1.78 |
| Growth & Yield | |||||
| Revenue Growth | 5.8% | 5.8% | 4.9% | 21.3% | — |
| EPS Growth | -11.0% | -11.0% | -2.4% | 24.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.1%
EPS terminal req.
$9.40
Spread vs growth
-12.1%
5Y implied EPS CAGR
4.6%
EPS terminal req.
$11.38
Spread vs growth
-15.6%
10Y implied EPS CAGR
7.3%
EPS terminal req.
$18.33
Spread vs growth
-18.3%
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
+15.9%
Start / end P/E
8.9x → 11.7x
EPS bridge
10.22 → 9.10
Residual
-3.3%
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.