Financial Services / Banks - RegionalNasdaqGM
$13.98
-0.08 (-0.57%)
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 50.0/100
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
39/100
D
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
$208M
P/E
7.6x
↓EV/EBITDA
N/A
•ROE
11.2%
↑Gross Margin
N/A
•Debt/Equity
0.49
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+61.4%
FCF CAGR
+9.5%
FCF margin
24.7%
FCF / Net income
0.91x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $94.7M · net income $25.6M · FCF $23.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $94.7M | $94.7M | $82.0M | $82.9M | $94.5M | $1.6M | $1.4M | $2.0M | $1.9M | $1.7M | $1.3M |
| Net Income | $25.6M | $25.6M | $21.1M | $23.9M | $33.3M | $28.8M | $13.1M | $16.8M | $14.3M | $9.2M | $7.4M |
| EPS | 1.72 | 1.72 | 1.39 | 1.55 | 2.14 | 1.88 | 0.85 | 1.03 | 0.89 | 0.66 | 0.53 |
| Net Margin | 27.1% | 27.1% | 25.7% | 28.9% | 35.2% | 1846.4% | 917.3% | 831.6% | 751.3% | 557.7% | 582.4% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.49 | 0.49 | 0.50 | 0.59 | 0.06 | — | — | — | — | — | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $23.4M | $23.4M | $29.7M | $65.6M | $82.3M | $-29.4M | $-5.5M | $17.2M | $29.4M | $-2.6M | $10.3M |
| Returns | |||||||||||
| ROE | 11.2% | 11.2% | 10.3% | 12.4% | 18.8% | 17.5% | 9.2% | 11.9% | 11.0% | 10.1% | 9.1% |
| Valuation | |||||||||||
| P/E | 7.64 | 7.64 | 11.21 | 6.95 | 5.16 | — | — | — | — | — | — |
| P/B | 0.91 | 0.91 | 1.13 | 0.85 | 0.95 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 15.4% | 15.4% | -1.0% | -12.3% | — | 9.2% | -29.0% | 6.2% | 14.6% | 29.9% | — |
| EPS Growth | 23.7% | 23.7% | -10.3% | -27.6% | — | 121.2% | -17.5% | 15.7% | 34.8% | 24.5% | — |
| Dividend Yield | 4.0% | 4.0% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-10.3%
EPS terminal req.
$1.24
Spread vs growth
34.1%
5Y implied EPS CAGR
-2.7%
EPS terminal req.
$1.50
Spread vs growth
26.4%
10Y implied EPS CAGR
3.5%
EPS terminal req.
$2.42
Spread vs growth
20.3%
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
+17.5%
Start / end P/E
8.9x → 8.1x
EPS bridge
1.39 → 1.72
Residual
-2.0%
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.