Financial Services / Banks - RegionalNasdaqCM
$36.71
-0.42 (-1.13%)
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 48.0/100
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
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
$721M
P/E
8.4x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
0.53
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+10.1%
FCF CAGR
+11.9%
FCF margin
28.3%
FCF / Net income
0.87x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $248.9M · net income $80.9M · FCF $70.5M
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 | $248.9M | $248.9M | $190.4M | $129.3M | $125.3M | $18.9M | $16.5M | $18.0M | $15.0M | $51.5M | $42.0M | $38.6M | $38.2M | $37.1M | $45.4M | $60.4M | $58.4M | $53.1M |
| Net Income | $80.9M | $80.9M | $22.1M | $35.7M | $22.0M | $32.9M | $26.5M | $16.9M | $12.8M | $8.1M | $6.6M | $7.9M | $29.1M | $10.0M | $-38.5M | $-32.0M | $16.6M | $13.4M |
| EPS | 4.18 | 4.18 | 1.48 | 3.42 | 2.06 | 2.96 | 2.40 | 1.61 | 1.50 | 0.98 | 0.81 | 0.97 | 3.59 | 1.24 | -4.77 | -3.98 | 2.17 | 2.07 |
| Net Margin | 32.5% | 32.5% | 11.6% | 27.6% | 17.6% | 173.7% | 160.6% | 94.3% | 85.3% | 15.7% | 15.8% | 20.4% | 76.3% | 27.0% | -84.6% | -53.0% | 28.4% | 25.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.53 | 0.53 | 0.36 | 0.64 | 0.60 | 0.01 | 0.01 | 0.28 | 0.48 | 0.58 | 0.18 | 0.18 | 0.12 | 0.18 | 0.43 | 0.42 | 0.41 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $70.5M | $70.5M | $33.4M | $41.4M | $35.3M | $39.6M | $28.9M | $6.2M | $17.7M | $13.7M | $2.2M | $10.7M | $16.4M | $31.1M | $17.1M | $33.4M | $24.2M | $11.7M |
| Returns | ||||||||||||||||||
| ROE | 13.7% | 13.7% | 4.3% | 13.5% | 9.6% | 12.1% | 10.7% | 7.6% | 7.4% | 5.6% | 4.9% | 5.9% | 22.9% | 10.9% | -43.9% | -24.9% | 10.3% | 12.1% |
| Valuation | ||||||||||||||||||
| P/E | 8.40 | 8.40 | 24.39 | 8.53 | 11.25 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.20 | 1.20 | 1.04 | 1.15 | 1.08 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 30.7% | 30.7% | 47.3% | 3.2% | — | 14.9% | -8.2% | 19.6% | -70.8% | 22.6% | 8.6% | 1.2% | 2.9% | -18.4% | -24.7% | 3.3% | 10.1% | — |
| EPS Growth | 182.4% | 182.4% | -56.7% | 66.0% | — | 23.3% | 49.1% | 7.3% | 53.1% | 21.0% | -16.5% | -73.0% | 189.5% | 126.0% | -19.8% | -283.4% | 4.8% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-8.0%
EPS terminal req.
$3.26
Spread vs growth
190.4%
5Y implied EPS CAGR
-1.2%
EPS terminal req.
$3.94
Spread vs growth
183.6%
10Y implied EPS CAGR
4.3%
EPS terminal req.
$6.35
Spread vs growth
178.2%
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
+25.2%
Start / end P/E
20.3x → 8.8x
EPS bridge
1.48 → 4.18
Residual
-103.5%
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.