Financial Services / Banks - RegionalNasdaqCM
$26.73
+0.45 (+1.73%)
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 32.0/100
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
46/100
C
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
$344M
P/E
12.3x
↓EV/EBITDA
N/A
•ROE
8.1%
↑Gross Margin
N/A
•Debt/Equity
0.22
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+14.5%
FCF CAGR
-5.2%
FCF margin
1.7%
FCF / Net income
0.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $124.7M · net income $26.9M · FCF $2.1M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $124.7M | $124.7M | $150.7M | $146.5M | $138.2M | $83.4M | $80.5M | $3.4M | $2.2M | $2.3M | $2.1M | $44.1M | $36.2M | $27.5M | $22.3M | $19.0M | $16.3M |
| Net Income | $26.9M | $26.9M | $20.1M | $31.2M | $15.0M | $39.1M | $37.4M | $27.0M | $12.0M | $7.6M | $12.9M | $6.8M | $2.1M | $4.0M | $4.2M | $2.7M | $2.2M |
| EPS | 2.06 | 2.06 | 1.53 | 2.40 | 1.17 | 3.10 | 3.06 | 2.20 | 1.00 | 0.68 | 1.31 | 0.77 | 0.22 | 0.57 | 0.45 | 0.60 | 0.69 |
| Net Margin | 21.6% | 21.6% | 13.3% | 21.3% | 10.9% | 46.9% | 46.5% | 793.9% | 536.3% | 331.8% | 625.6% | 15.5% | 5.7% | 14.6% | 18.7% | 14.2% | 13.7% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.22 | 0.22 | 0.24 | 0.28 | 0.71 | — | — | 1.07 | 1.31 | 1.24 | 0.85 | 1.89 | 1.23 | 0.07 | 0.06 | 0.09 | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $2.1M | $2.1M | $-1.9M | $56.3M | $4.3M | $29.9M | $105.6M | $-10.1M | $4.0M | $28.6M | — | — | — | — | $-14.5M | $-1.4M | $4.7M |
| Returns | |||||||||||||||||
| ROE | 8.1% | 8.1% | 6.6% | 10.8% | 5.8% | 14.3% | 15.6% | 12.7% | 6.8% | 5.0% | 8.9% | 5.9% | 1.9% | 4.3% | 6.2% | 5.7% | 7.3% |
| Valuation | |||||||||||||||||
| P/E | 12.26 | 12.26 | 13.35 | 9.54 | 19.48 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.05 | 1.05 | 0.88 | 1.03 | 1.13 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | -17.3% | -17.3% | 2.9% | 6.0% | — | 3.7% | 2266.3% | 51.9% | -2.0% | 10.6% | -95.3% | 21.9% | 31.4% | 23.6% | 17.1% | 16.7% | — |
| EPS Growth | 34.6% | 34.6% | -36.3% | 105.1% | — | 1.3% | 39.1% | 120.0% | 47.1% | -48.1% | 70.1% | 250.0% | -61.4% | 26.7% | -25.6% | -12.3% | — |
| Dividend Yield | 2.6% | 2.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.8%
EPS terminal req.
$2.37
Spread vs growth
29.8%
5Y implied EPS CAGR
6.9%
EPS terminal req.
$2.87
Spread vs growth
27.8%
10Y implied EPS CAGR
8.4%
EPS terminal req.
$4.62
Spread vs growth
26.2%
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
+41.8%
Start / end P/E
12.6x → 13.0x
EPS bridge
1.53 → 2.06
Residual
+1.2%
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.