Financial Services / Banks - RegionalNasdaqGS
$27.49
-0.31 (-1.12%)
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 34.0/100
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
36/100
D
Piotroski
3/9
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
$570M
P/E
22.9x
↑EV/EBITDA
N/A
•ROE
-22.0%
↓Gross Margin
N/A
•Debt/Equity
0.67
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2014–2025 · 11 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
41.4%
FCF / Net income
-0.97x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $290.4M · net income $-124.3M · FCF $120.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | $290.4M | $290.4M | $356.3M | $340.2M | $380.5M | — | — | — | — | — | — | — | — |
| Net Income | $-124.3M | $-124.3M | $38.0M | $61.2M | $100.2M | $81.3M | $22.5M | $55.8M | $39.4M | $16.1M | $31.5M | $24.3M | $10.8M |
| EPS | 1.01 | 1.01 | -1.05 | 2.33 | 4.28 | 3.57 | 0.95 | 2.26 | 1.66 | 0.87 | 2.17 | 2.00 | 0.53 |
| Net Margin | -42.8% | -42.8% | 10.7% | 18.0% | 26.3% | — | — | — | — | — | — | — | — |
| Balance Sheet | |||||||||||||
| Debt/Equity | 0.67 | 0.67 | 0.60 | 0.85 | 0.79 | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||
| Free Cash Flow | $120.3M | $120.3M | $169.6M | $144.6M | $282.3M | $331.7M | $496.6M | $533.1M | $89.9M | $64.3M | $21.9M | $67.2M | — |
| Returns | |||||||||||||
| ROE | -22.0% | -22.0% | 5.4% | 8.6% | 13.2% | 13.5% | 3.6% | 8.4% | 6.5% | 3.6% | 9.8% | 10.4% | 4.9% |
| Valuation | |||||||||||||
| P/E | 22.91 | 22.91 | — | 11.70 | 6.31 | — | — | — | — | — | — | — | — |
| P/B | 1.06 | 1.06 | 0.73 | 0.84 | 0.80 | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||
| Revenue Growth | -18.5% | -18.5% | 4.7% | -10.6% | — | — | — | — | — | — | — | — | — |
| EPS Growth | 196.2% | 196.2% | -145.1% | -45.6% | — | 275.8% | -58.0% | 36.1% | 90.8% | -59.9% | 8.5% | 277.4% | — |
| Dividend Yield | 4.7% | 4.7% | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
34.2%
EPS terminal req.
$2.44
Spread vs growth
162.0%
5Y implied EPS CAGR
23.9%
EPS terminal req.
$2.95
Spread vs growth
172.3%
10Y implied EPS CAGR
16.8%
EPS terminal req.
$4.75
Spread vs growth
179.4%
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
+67.5%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.05 → 1.01
Residual
+62.9%
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.