Financial Services / Banks - RegionalNYSE American
$5.53
+0.03 (+0.55%)
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 51.0/100
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
49/100
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
$68M
P/E
9.4x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+12.2%
FCF CAGR
+16.7%
FCF margin
34.3%
FCF / Net income
1.02x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $49.4M · net income $16.6M · FCF $16.9M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $49.4M | $49.4M | $39.3M | $27.2M | $18.8M | $10.4M | $6.7M | $5.2M | $4.3M | $4.7M | $4.8M | $4.5M | $5.4M | $5.3M | $5.2M | $6.4M | $8.8M |
| Net Income | $16.6M | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M | $-782000.00 | $-1.1M | $796000.00 | $-589000.00 | $-396000.00 | $-163000.00 | $1.6M | $-7.1M | $-4.7M | $-3.7M | $-8.5M |
| EPS | 0.71 | 0.71 | 1.33 | 0.87 | 0.68 | 1.61 | — | — | — | -0.53 | -0.38 | -0.17 | 1.85 | -8.90 | -6.90 | -32.80 | -412.80 |
| Net Margin | 33.7% | 33.7% | 33.4% | 23.1% | 21.4% | 60.6% | -11.7% | -21.3% | 18.5% | -12.5% | -8.3% | -3.6% | 29.8% | -134.0% | -91.0% | -58.3% | -96.2% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.43 | 0.43 | 0.51 | 0.92 | 0.19 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $16.9M | $16.9M | $14.6M | $6.2M | $10.0M | $3.4M | $-1.7M | $-1.1M | $-210000.00 | $476000.00 | — | — | $1.2M | $-3.1M | $-3.0M | — | $1.7M |
| Returns | |||||||||||||||||
| ROE | 13.7% | 13.7% | 12.7% | 9.0% | 6.4% | 16.3% | -4.4% | -15.3% | 15.0% | -23.1% | -12.9% | -5.5% | 53.9% | 3275.5% | -68.0% | -55.2% | -298.2% |
| Valuation | |||||||||||||||||
| P/E | 9.37 | 9.37 | 3.58 | 4.87 | 6.24 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.53 | 0.53 | 0.46 | 0.44 | 0.40 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 25.6% | 25.6% | 44.7% | 44.5% | — | 54.8% | 29.7% | 20.5% | -9.0% | -1.0% | 5.1% | -15.9% | 2.1% | 2.3% | -19.6% | -26.9% | — |
| EPS Growth | -46.6% | -46.6% | 52.9% | 27.9% | — | — | — | — | — | -39.5% | -123.5% | -109.2% | 120.8% | -29.0% | 79.0% | 92.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-11.6%
EPS terminal req.
$0.49
Spread vs growth
-35.0%
5Y implied EPS CAGR
-3.5%
EPS terminal req.
$0.59
Spread vs growth
-43.1%
10Y implied EPS CAGR
3.0%
EPS terminal req.
$0.96
Spread vs growth
-49.6%
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
+25.7%
Start / end P/E
3.3x → 7.8x
EPS bridge
1.33 → 0.71
Residual
-63.1%
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.