Financial Services / Banks - RegionalNasdaqGM
$13.63
-0.25 (-1.80%)
Book/ROE base 3Y
$25.89
+23.9% CAGR · P/B 1.7x
Book/ROE base 5Y
$26.60
+14.3% base · +15.7% expected
Precio de entrada
$12.44
MOS 18% · confianza 91%
Book/ROE escenarios
audited · book/share $14.88 · quality 69.0/100
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
62/100
B
Piotroski
3/9
balance/quality
Valuation
100/100
+82.3% upside
5Y CAGR
+15.7%
100/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$393M
P/E
6.0x
↓EV/EBITDA
N/A
•ROE
15.2%
↑Gross Margin
N/A
•Debt/Equity
2.07
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2025 · 4 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
-217.0%
FCF / Net income
-9.57x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $267.0M · net income $60.5M · FCF $-579.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | $267.0M | $267.0M | $237.7M | $185.1M | $105.2M | — |
| Net Income | $60.5M | $60.5M | $50.9M | $47.3M | $32.3M | $84.1M |
| EPS | 2.18 | 2.18 | 1.96 | 1.88 | 1.34 | 3.69 |
| Net Margin | 22.7% | 22.7% | 21.4% | 25.6% | 30.7% | — |
| Balance Sheet | ||||||
| Debt/Equity | 2.07 | 2.07 | 2.41 | 2.61 | 1.46 | — |
| Current Ratio | 21.46 | 21.46 | — | — | — | — |
| Cash Flow | ||||||
| Free Cash Flow | $-579.3M | $-579.3M | $-153.5M | $-169.7M | $-62.4M | $140.9M |
| Returns | ||||||
| ROE | 15.2% | 15.2% | 17.2% | 19.0% | 8.6% | 20.8% |
| Valuation | ||||||
| P/E | 6.00 | 6.00 | 6.67 | 6.96 | 9.76 | 3.54 |
| P/B | 0.88 | 0.88 | 1.11 | 1.28 | 0.84 | 0.74 |
| Growth & Yield | ||||||
| Revenue Growth | 12.3% | 12.3% | 28.5% | 76.0% | — | — |
| EPS Growth | 11.2% | 11.2% | 4.3% | 40.3% | -63.7% | — |
| Dividend Yield | 5.6% | 5.6% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-17.8%
EPS terminal req.
$1.21
Spread vs growth
29.1%
5Y implied EPS CAGR
-7.7%
EPS terminal req.
$1.46
Spread vs growth
18.9%
10Y implied EPS CAGR
0.8%
EPS terminal req.
$2.36
Spread vs growth
10.4%
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
+31.2%
Start / end P/E
5.5x → 6.3x
EPS bridge
1.96 → 2.18
Residual
+1.5%
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.