Financial Services / Banks - RegionalNasdaqGS
$24.04
-0.67 (-2.71%)
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 56.0/100
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
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
$535M
P/E
8.3x
↓EV/EBITDA
N/A
•ROE
19.8%
↑Gross Margin
N/A
•Debt/Equity
0.27
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.0%
FCF CAGR
+18.0%
FCF margin
62.9%
FCF / Net income
2.07x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $212.8M · net income $64.6M · FCF $133.9M
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 | $212.8M | $212.8M | $155.2M | $129.6M | $129.2M | $84.6M | $76.7M | $70.1M | $5.9M | $5.8M | $6.3M | $59.8M | $54.3M | $46.1M | $44.7M | $45.9M | $49.7M | $53.5M |
| Net Income | $64.6M | $64.6M | $37.0M | $25.4M | $30.7M | $37.5M | $32.9M | $20.7M | $20.0M | $13.2M | $14.4M | $17.8M | $17.4M | $12.3M | $12.9M | $11.4M | $9.1M | $7.7M |
| EPS | 2.87 | 2.87 | 1.66 | 1.12 | 1.32 | 1.50 | 1.28 | 0.76 | 0.71 | 0.47 | 0.52 | 0.64 | 0.64 | 0.47 | 0.49 | 0.43 | 0.35 | 0.30 |
| Net Margin | 30.4% | 30.4% | 23.8% | 19.6% | 23.8% | 44.3% | 42.9% | 29.5% | 338.4% | 225.7% | 229.5% | 29.7% | 32.0% | 26.8% | 28.9% | 24.8% | 18.2% | 14.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.27 | 0.27 | 0.15 | 0.14 | 0.16 | 0.06 | 0.07 | 0.04 | 0.20 | 0.18 | 0.17 | 0.19 | — | 0.05 | 0.17 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $133.9M | $133.9M | $-9.3M | $32.6M | $74.3M | $109.7M | $-39.3M | $-3.1M | $21.6M | $17.7M | $16.8M | $3.6M | $13.6M | $16.4M | $31.0M | $-5.7M | $16.0M | $9.5M |
| Returns | ||||||||||||||||||
| ROE | 19.8% | 19.8% | 13.8% | 10.8% | 14.1% | 15.8% | 14.8% | 10.0% | 9.7% | 6.8% | 7.7% | 10.0% | 10.6% | 8.6% | 9.5% | 9.1% | 7.7% | — |
| Valuation | ||||||||||||||||||
| P/E | 8.35 | 8.35 | 11.77 | 12.10 | 10.34 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.66 | 1.66 | 1.63 | 1.31 | 1.45 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 37.1% | 37.1% | 19.7% | 0.3% | — | 10.3% | 9.5% | 1085.6% | 1.5% | -7.2% | -89.5% | 10.0% | 18.0% | 3.0% | -2.6% | -7.6% | -7.1% | — |
| EPS Growth | 73.4% | 73.4% | 47.4% | -14.8% | — | 17.4% | 68.1% | 6.3% | 52.1% | -8.7% | -19.5% | 0.8% | 35.8% | -5.1% | 13.2% | 24.3% | 16.7% | — |
| Dividend Yield | 2.7% | 2.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.4%
EPS terminal req.
$2.13
Spread vs growth
82.8%
5Y implied EPS CAGR
-2.1%
EPS terminal req.
$2.58
Spread vs growth
75.5%
10Y implied EPS CAGR
3.8%
EPS terminal req.
$4.16
Spread vs growth
69.6%
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
+7.6%
Start / end P/E
13.8x → 8.4x
EPS bridge
1.66 → 2.87
Residual
-29.0%
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.