Financial Services / Banks - RegionalNasdaqGM
$30.02
-0.21 (-0.69%)
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 46.0/100
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
42/100
C
Piotroski
7/9
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
$327M
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
11.5%
↑Gross Margin
N/A
•Debt/Equity
0.31
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+7.7%
FCF CAGR
+10.7%
FCF margin
33.3%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $87.9M · net income $27.8M · FCF $29.2M
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 | $87.9M | $87.9M | $51.0M | $70.2M | $78.3M | $7.0M | $6.2M | $5.4M | $5.7M | $39.0M | $32.2M | $27.8M | $27.8M | $28.3M | $29.4M | $27.8M | $25.7M | $26.8M |
| Net Income | $27.8M | $27.8M | $-160000.00 | $16.8M | $29.2M | $24.9M | $15.1M | $14.2M | $13.7M | $8.2M | $6.7M | $5.9M | $7.7M | $8.5M | $8.4M | $7.4M | $7.3M | $7.1M |
| EPS | 3.01 | 3.01 | -0.02 | 2.07 | 3.58 | 3.04 | 2.09 | 2.25 | 2.17 | 1.31 | 1.15 | 1.07 | 1.40 | 1.55 | 1.55 | 1.45 | 1.60 | 1.55 |
| Net Margin | 31.6% | 31.6% | -0.3% | 23.9% | 37.3% | 354.9% | 242.9% | 260.9% | 241.1% | 21.0% | 20.8% | 21.3% | 27.6% | 30.0% | 28.6% | 26.5% | 28.5% | 26.3% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.31 | 0.31 | 0.74 | 0.63 | 0.49 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $29.2M | $29.2M | $19.7M | $28.4M | $28.6M | $27.9M | $13.0M | $16.8M | $16.4M | $14.4M | — | — | $10.3M | $12.3M | $10.9M | $10.6M | $8.4M | $5.8M |
| Returns | ||||||||||||||||||
| ROE | 11.5% | 11.5% | -0.1% | 9.3% | 17.5% | 12.1% | 7.7% | 10.3% | 11.2% | 7.1% | 6.0% | 5.8% | 7.7% | 9.2% | 9.1% | 8.4% | 10.8% | 11.0% |
| Valuation | ||||||||||||||||||
| P/E | 11.00 | 11.00 | — | 15.22 | 9.54 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.14 | 1.14 | 0.99 | 1.41 | 1.67 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 72.3% | 72.3% | -27.3% | -10.4% | — | 13.1% | 14.0% | -3.8% | -85.5% | 20.9% | 16.1% | 0.0% | -1.7% | -3.9% | 5.9% | 8.1% | -4.3% | — |
| EPS Growth | 15150.0% | 15150.0% | -101.0% | -42.2% | — | 45.5% | -7.1% | 3.7% | 65.6% | 13.9% | 7.5% | -23.6% | -9.9% | 0.0% | 7.4% | -9.6% | 3.5% | — |
| Dividend Yield | 4.2% | 4.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.0%
EPS terminal req.
$2.66
Spread vs growth
15154.0%
5Y implied EPS CAGR
1.4%
EPS terminal req.
$3.22
Spread vs growth
15148.6%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$5.19
Spread vs growth
15144.4%
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
+19.7%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.02 → 3.01
Residual
+15.5%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.