Financial Services / Banks - RegionalNYSE
$17.25
+0.17 (+1.00%)
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 40.0/100
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
37/100
D
Piotroski
5/9
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
$597M
P/E
7.7x
↓EV/EBITDA
N/A
•ROE
14.7%
↑Gross Margin
N/A
•Debt/Equity
2.70
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-2.1%
FCF CAGR
-68.7%
FCF margin
17.1%
FCF / Net income
0.49x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $241.7M · net income $83.4M · FCF $41.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $241.7M | $241.7M | $187.1M | $196.3M | $257.6M |
| Net Income | $83.4M | $83.4M | $55.2M | $33.8M | $23.2M |
| EPS | 2.11 | 2.11 | 1.37 | 0.70 | 0.40 |
| Net Margin | 34.5% | 34.5% | 29.5% | 17.2% | 9.0% |
| Balance Sheet | |||||
| Debt/Equity | 2.70 | 2.70 | 2.82 | 3.05 | 2.35 |
| Cash Flow | |||||
| Free Cash Flow | $41.2M | $41.2M | $18.8M | $498.6M | $1.35B |
| Returns | |||||
| ROE | 14.7% | 14.7% | 11.9% | 7.8% | 5.6% |
| Valuation | |||||
| P/E | 7.70 | 7.70 | — | — | — |
| P/B | 1.03 | 1.03 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 29.2% | 29.2% | -4.7% | -23.8% | — |
| EPS Growth | 53.5% | 53.5% | 95.6% | 77.5% | — |
| Dividend Yield | 0.6% | 0.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-10.1%
EPS terminal req.
$1.53
Spread vs growth
63.6%
5Y implied EPS CAGR
-2.6%
EPS terminal req.
$1.85
Spread vs growth
56.1%
10Y implied EPS CAGR
3.5%
EPS terminal req.
$2.98
Spread vs growth
50.0%
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
+31.9%
Start / end P/E
9.6x → 8.2x
EPS bridge
1.37 → 2.11
Residual
-7.7%
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.