Financial Services / Banks - RegionalNasdaqCM
$34.56
-0.63 (-1.79%)
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 43.0/100
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
32/100
D
Piotroski
6/9
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
$220M
P/E
12.5x
↑EV/EBITDA
N/A
•ROE
8.6%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+0.6%
FCF CAGR
+0.3%
FCF margin
27.3%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $55.6M · net income $15.8M · FCF $15.2M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $55.6M | $55.6M | $45.4M | $46.6M | $59.4M | $45.0M | $44.0M | $45.1M | $43.2M | $41.3M | $40.9M | $42.9M | $43.9M | $45.7M | $48.5M | $49.9M | $49.1M | $50.5M |
| Net Income | $15.8M | $15.8M | $7.6M | $15.7M | $25.9M | $20.4M | $16.1M | $17.5M | $16.2M | $14.1M | $14.9M | $15.8M | $16.9M | $17.8M | $17.7M | $17.6M | $15.6M | $14.3M |
| EPS | 2.49 | 2.49 | 1.24 | 2.66 | 4.33 | 3.28 | 2.48 | 2.65 | 2.32 | 2.03 | 2.15 | 2.28 | 2.43 | 2.55 | 2.55 | 2.54 | 2.24 | 2.06 |
| Net Margin | 28.5% | 28.5% | 16.8% | 33.6% | 43.6% | 45.3% | 36.5% | 38.7% | 37.4% | 34.2% | 36.5% | 36.9% | 38.5% | 39.0% | 36.6% | 35.3% | 31.7% | 28.4% |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $15.2M | $15.2M | $6.2M | $14.0M | $28.2M | $22.6M | $12.0M | $17.8M | $18.6M | $10.7M | $16.9M | $19.9M | — | — | $21.9M | $18.7M | $17.8M | $14.5M |
| Returns | ||||||||||||||||||
| ROE | 8.6% | 8.6% | 4.9% | 11.2% | 21.1% | 10.6% | 8.0% | 9.5% | 8.5% | 7.6% | 8.4% | 9.2% | 10.2% | 12.2% | 11.8% | 12.5% | 12.1% | 11.7% |
| Valuation | ||||||||||||||||||
| P/E | 12.52 | 12.52 | 22.49 | 12.41 | 9.39 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.19 | 1.19 | 1.10 | 1.38 | 1.98 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 22.5% | 22.5% | -2.8% | -21.5% | — | 2.2% | -2.5% | 4.4% | 4.8% | 0.8% | -4.6% | -2.3% | -3.8% | -5.9% | -2.9% | 1.6% | -2.7% | — |
| EPS Growth | 100.8% | 100.8% | -53.4% | -38.6% | — | 32.3% | -6.4% | 14.2% | 14.3% | -5.6% | -5.7% | -6.2% | -4.7% | 0.0% | 0.4% | 13.4% | 8.7% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
7.2%
EPS terminal req.
$3.07
Spread vs growth
93.6%
5Y implied EPS CAGR
8.3%
EPS terminal req.
$3.71
Spread vs growth
92.5%
10Y implied EPS CAGR
9.1%
EPS terminal req.
$5.98
Spread vs growth
91.7%
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
+39.2%
Start / end P/E
20.7x → 13.9x
EPS bridge
1.24 → 2.49
Residual
-33.1%
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.