Financial Services / Banks - RegionalNasdaqGS
$21.07
-0.25 (-1.17%)
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
42/100
C
Piotroski
3/9
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
$1.1B
P/E
12.6x
↓EV/EBITDA
N/A
•ROE
9.0%
↑Gross Margin
N/A
•Debt/Equity
0.35
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+7.9%
FCF CAGR
—
FCF margin
35.4%
FCF / Net income
1.47x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $333.1M · net income $80.3M · FCF $117.8M
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 | $333.1M | $333.1M | $279.9M | $281.0M | $244.9M | $105.2M | $104.2M | $115.6M | $107.6M | $87.5M | $73.4M | $68.2M | $68.0M | $69.0M | $75.1M | $85.4M | $106.7M |
| Net Income | $80.3M | $80.3M | $85.3M | $91.7M | $67.4M | $20.0M | $27.8M | $39.5M | $34.0M | $15.1M | $15.7M | $15.4M | $10.1M | $82.1M | $-72000.00 | $-6.5M | $-108.6M |
| EPS | 1.62 | 1.62 | 1.87 | 2.02 | 1.49 | 0.65 | 0.92 | 1.30 | 1.12 | 0.50 | 0.53 | 0.46 | 0.46 | 5.45 | -0.36 | -0.79 | -8.03 |
| Net Margin | 24.1% | 24.1% | 30.5% | 32.6% | 27.5% | 19.1% | 26.7% | 34.1% | 31.6% | 17.3% | 21.4% | 22.6% | 14.9% | 118.9% | -0.1% | -7.6% | -101.8% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.35 | 0.35 | 0.16 | 0.85 | 0.50 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $117.8M | $117.8M | $120.7M | $104.0M | $93.0M | $29.0M | $22.1M | $48.3M | $53.0M | $36.0M | $25.3M | $19.9M | — | — | — | — | — |
| Returns | |||||||||||||||||
| ROE | 9.0% | 9.0% | 12.7% | 15.9% | 14.6% | 4.0% | 9.1% | 14.2% | 14.8% | 7.6% | 9.0% | 9.9% | 5.2% | 55.6% | -0.1% | -8.8% | -129.4% |
| Valuation | |||||||||||||||||
| P/E | 12.62 | 12.62 | 9.48 | 7.67 | 11.42 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.15 | 1.15 | 1.21 | 1.22 | 1.67 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 19.0% | 19.0% | -0.4% | 14.7% | — | 0.9% | -9.8% | 7.4% | 23.0% | 19.3% | 7.7% | 0.2% | -1.4% | -8.0% | -12.1% | -19.9% | — |
| EPS Growth | -13.4% | -13.4% | -7.4% | 35.6% | — | -29.3% | -29.2% | 16.1% | 124.0% | -5.7% | 15.2% | 0.0% | -91.6% | 1613.9% | 54.4% | 90.2% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.9%
EPS terminal req.
$1.87
Spread vs growth
-18.3%
5Y implied EPS CAGR
6.9%
EPS terminal req.
$2.26
Spread vs growth
-20.3%
10Y implied EPS CAGR
8.4%
EPS terminal req.
$3.64
Spread vs growth
-21.8%
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
+28.7%
Start / end P/E
8.8x → 13.0x
EPS bridge
1.87 → 1.62
Residual
-6.3%
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.