Financial Services / Banks - RegionalNasdaqCM
$19.82
+0.14 (+0.69%)
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 23.0/100
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
4/9
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
$869M
P/E
14.5x
↑EV/EBITDA
N/A
•ROE
5.9%
↓Gross Margin
N/A
•Debt/Equity
0.23
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+23.5%
FCF CAGR
+22.5%
FCF margin
26.9%
FCF / Net income
1.14x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $213.7M · net income $50.3M · FCF $57.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $213.7M | $213.7M | $173.8M | $147.1M | $113.3M |
| Net Income | $50.3M | $50.3M | $42.1M | $9.8M | $30.1M |
| EPS | 1.34 | 1.34 | 1.07 | 0.23 | 0.70 |
| Net Margin | 23.5% | 23.5% | 24.3% | 6.7% | 26.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.23 | 0.23 | 0.16 | 0.37 | 0.85 |
| Cash Flow | |||||
| Free Cash Flow | $57.4M | $57.4M | $41.3M | $50.0M | $31.2M |
| Returns | |||||
| ROE | 5.9% | 5.9% | 5.5% | 1.3% | 8.7% |
| Valuation | |||||
| P/E | 14.47 | 14.47 | 16.69 | 59.04 | — |
| P/B | 0.87 | 0.87 | 0.92 | 0.75 | — |
| Growth & Yield | |||||
| Revenue Growth | 23.0% | 23.0% | 18.1% | 29.8% | — |
| EPS Growth | 25.3% | 25.3% | 365.1% | -67.3% | — |
| Dividend Yield | 1.4% | 1.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.5%
EPS terminal req.
$1.76
Spread vs growth
15.8%
5Y implied EPS CAGR
9.7%
EPS terminal req.
$2.13
Spread vs growth
15.6%
10Y implied EPS CAGR
9.8%
EPS terminal req.
$3.43
Spread vs growth
15.4%
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
+20.3%
Start / end P/E
15.6x → 14.8x
EPS bridge
1.07 → 1.34
Residual
-1.3%
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.