Financial Services / Banks - RegionalNasdaqCM
$24.23
-0.01 (-0.04%)
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 51.0/100
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
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
$335M
P/E
7.5x
↓EV/EBITDA
N/A
•ROE
12.6%
↑Gross Margin
N/A
•Debt/Equity
0.21
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2020–2025 · 5 años de histórico normalizado
Revenue CAGR
+16.4%
FCF CAGR
+28.7%
FCF margin
48.5%
FCF / Net income
1.14x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $104.8M · net income $44.4M · FCF $50.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | $104.8M | $104.8M | $105.6M | $101.0M | $65.5M | $48.4M | $49.0M |
| Net Income | $44.4M | $44.4M | $47.1M | $46.3M | $24.8M | $11.9M | $12.3M |
| EPS | 3.25 | 3.25 | 3.58 | 3.32 | 1.58 | 0.75 | 0.76 |
| Net Margin | 42.4% | 42.4% | 44.6% | 45.8% | 38.0% | 24.6% | 25.2% |
| Balance Sheet | |||||||
| Debt/Equity | 0.21 | 0.21 | 0.01 | 0.25 | 0.09 | — | — |
| Cash Flow | |||||||
| Free Cash Flow | $50.8M | $50.8M | $48.2M | $42.2M | $24.2M | $15.1M | $14.4M |
| Returns | |||||||
| ROE | 12.6% | 12.6% | 14.8% | 16.6% | 9.5% | 4.7% | 8.0% |
| Valuation | |||||||
| P/E | 7.55 | 7.55 | 6.83 | 5.25 | 9.63 | — | — |
| P/B | 0.94 | 0.94 | 1.03 | 0.87 | 0.91 | — | — |
| Growth & Yield | |||||||
| Revenue Growth | -0.7% | -0.7% | 4.6% | 54.2% | — | -1.2% | — |
| EPS Growth | -9.2% | -9.2% | 7.8% | 110.1% | — | -1.3% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.9%
EPS terminal req.
$2.15
Spread vs growth
3.6%
5Y implied EPS CAGR
-4.4%
EPS terminal req.
$2.60
Spread vs growth
-4.9%
10Y implied EPS CAGR
2.6%
EPS terminal req.
$4.19
Spread vs growth
-11.8%
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
+10.4%
Start / end P/E
6.3x → 7.5x
EPS bridge
3.58 → 3.25
Residual
-1.7%
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.