Financial Services / Banks - RegionalNYSE
$46.90
-0.76 (-1.59%)
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 32.0/100
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
50/100
C
Piotroski
5/9
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
$1.4B
P/E
18.2x
↑EV/EBITDA
N/A
•ROE
6.0%
↓Gross Margin
N/A
•Debt/Equity
0.02
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+12.1%
FCF CAGR
+13.7%
FCF margin
38.2%
FCF / Net income
1.98x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $389.0M · net income $75.2M · FCF $148.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $389.0M | $389.0M | $352.1M | $352.5M | $326.5M | $241.7M | $228.7M | $227.1M | $188.1M | $152.6M | $139.2M |
| Net Income | $75.2M | $75.2M | $76.5M | $83.8M | $87.7M | $108.5M | $36.4M | $53.9M | $51.6M | $14.7M | $12.8M |
| EPS | 2.40 | 2.40 | 2.45 | 2.71 | 3.28 | 4.60 | 1.55 | 2.28 | 2.20 | 0.50 | 0.46 |
| Net Margin | 19.3% | 19.3% | 21.7% | 23.8% | 26.9% | 44.9% | 15.9% | 23.7% | 27.4% | 9.6% | 9.2% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.02 | 0.02 | 0.15 | 0.25 | 0.83 | — | — | — | — | — | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $148.6M | $148.6M | $86.4M | $103.1M | $137.2M | $166.5M | $-6.3M | $50.4M | $72.3M | $59.0M | $46.7M |
| Returns | |||||||||||
| ROE | 6.0% | 6.0% | 6.7% | 7.9% | 9.2% | 14.9% | 5.6% | 9.0% | 9.4% | 3.5% | 3.1% |
| Valuation | |||||||||||
| P/E | 18.18 | 18.18 | 13.63 | 12.64 | 11.15 | — | — | — | — | — | — |
| P/B | 1.18 | 1.18 | 0.91 | 1.00 | 1.03 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 10.5% | 10.5% | -0.1% | 8.0% | — | 5.7% | 0.7% | 20.7% | 23.3% | 9.7% | — |
| EPS Growth | -2.0% | -2.0% | -9.6% | -17.4% | — | 196.8% | -32.0% | 3.6% | 340.0% | 8.7% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
20.1%
EPS terminal req.
$4.16
Spread vs growth
-22.2%
5Y implied EPS CAGR
16.0%
EPS terminal req.
$5.04
Spread vs growth
-18.0%
10Y implied EPS CAGR
12.9%
EPS terminal req.
$8.11
Spread vs growth
-15.0%
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
+39.7%
Start / end P/E
13.9x → 19.5x
EPS bridge
2.45 → 2.40
Residual
-0.8%
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.