Financial Services / Banks - RegionalNasdaqGS
$29.07
+0.24 (+0.83%)
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 20.0/100
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
43/100
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
$283M
P/E
18.9x
↑EV/EBITDA
N/A
•ROE
5.0%
↓Gross Margin
N/A
•Debt/Equity
0.41
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
+7.8%
FCF CAGR
—
FCF margin
-5.8%
FCF / Net income
-0.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $99.4M · net income $13.2M · FCF $-5.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $99.4M | $99.4M | $89.4M | $90.9M | $110.2M | $95.4M | $92.6M | $64.0M | $57.6M | $54.5M |
| Net Income | $13.2M | $13.2M | $8.5M | $5.2M | $21.7M | $20.6M | $24.5M | $8.0M | $5.6M | $2.0M |
| EPS | 1.34 | 1.34 | 0.87 | 0.90 | 2.23 | 2.50 | 3.08 | 1.01 | 0.63 | -0.05 |
| Net Margin | 13.3% | 13.3% | 9.5% | 5.7% | 19.7% | 21.6% | 26.5% | 12.5% | 9.8% | 3.7% |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.41 | 0.41 | 0.43 | 0.73 | 0.83 | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $-5.8M | $-5.8M | $-607000.00 | $19.5M | $45.3M | $160.4M | $-94.5M | $-21.9M | $17.1M | $-5.9M |
| Returns | ||||||||||
| ROE | 5.0% | 5.0% | 3.4% | 2.2% | 9.0% | 9.4% | 15.8% | 6.3% | 4.8% | 2.0% |
| Valuation | ||||||||||
| P/E | 18.88 | 18.88 | 22.06 | 20.69 | 12.27 | — | — | — | — | — |
| P/B | 1.08 | 1.08 | 0.74 | 0.75 | 1.10 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 11.2% | 11.2% | -1.6% | -17.5% | — | 3.0% | 44.7% | 11.0% | 5.7% | — |
| EPS Growth | 54.0% | 54.0% | -3.3% | -59.6% | — | -18.8% | 205.0% | 60.3% | 1360.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
24.4%
EPS terminal req.
$2.58
Spread vs growth
29.6%
5Y implied EPS CAGR
18.4%
EPS terminal req.
$3.12
Spread vs growth
35.6%
10Y implied EPS CAGR
14.1%
EPS terminal req.
$5.03
Spread vs growth
39.9%
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
+40.4%
Start / end P/E
23.8x → 21.7x
EPS bridge
0.87 → 1.34
Residual
-4.8%
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.