Financial Services / Banks - RegionalNasdaqCM
$33.77
-0.35 (-1.03%)
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 60.0/100
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
54/100
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
$453M
P/E
9.9x
↓EV/EBITDA
N/A
•ROE
14.6%
↑Gross Margin
N/A
•Debt/Equity
0.12
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2020–2025 · 5 años de histórico normalizado
Revenue CAGR
+18.9%
FCF CAGR
+31.2%
FCF margin
32.5%
FCF / Net income
0.99x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $127.1M · net income $41.6M · FCF $41.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | $127.1M | $127.1M | $107.6M | $101.7M | $89.9M | $64.4M | $53.5M |
| Net Income | $41.6M | $41.6M | $27.9M | $29.5M | $24.4M | $21.3M | $11.7M |
| EPS | 3.33 | 3.33 | 2.47 | 2.62 | 2.17 | 2.14 | 1.29 |
| Net Margin | 32.7% | 32.7% | 25.9% | 29.0% | 27.1% | 33.0% | 21.8% |
| Balance Sheet | |||||||
| Debt/Equity | 0.12 | 0.12 | 0.77 | 1.54 | 1.09 | — | — |
| Cash Flow | |||||||
| Free Cash Flow | $41.3M | $41.3M | $32.9M | $41.0M | $28.9M | $18.4M | $10.7M |
| Returns | |||||||
| ROE | 14.6% | 14.6% | 15.0% | 17.8% | 17.6% | 11.6% | 8.6% |
| Valuation | |||||||
| P/E | 9.90 | 9.90 | 10.97 | 9.73 | 10.85 | — | — |
| P/B | 1.49 | 1.49 | 1.65 | 1.73 | 1.91 | — | — |
| Growth & Yield | |||||||
| Revenue Growth | 18.1% | 18.1% | 5.8% | 13.2% | — | 20.5% | — |
| EPS Growth | 34.8% | 34.8% | -5.7% | 21.0% | — | 65.3% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.5%
EPS terminal req.
$3.00
Spread vs growth
38.3%
5Y implied EPS CAGR
1.7%
EPS terminal req.
$3.63
Spread vs growth
33.1%
10Y implied EPS CAGR
5.8%
EPS terminal req.
$5.84
Spread vs growth
29.0%
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
+34.0%
Start / end P/E
10.4x → 10.1x
EPS bridge
2.47 → 3.33
Residual
-0.7%
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.