Financial Services / Banks - RegionalNasdaqCM
$16.36
+1.43 (+9.58%)
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 21.0/100
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
46/100
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
$399M
P/E
20.0x
↑EV/EBITDA
N/A
•ROE
6.3%
↓Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+11.0%
FCF CAGR
-7.3%
FCF margin
9.1%
FCF / Net income
0.43x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $96.3M · net income $20.3M · FCF $8.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $96.3M | $96.3M | $76.9M | $79.7M | $56.5M | $12.8M | $12.6M | $12.9M | $46.5M |
| Net Income | $20.3M | $20.3M | $15.3M | $21.9M | $10.3M | $1.1M | $5.2M | $7.3M | $11.5M |
| EPS | 0.83 | 0.83 | 0.61 | 0.87 | 0.41 | 0.04 | 0.21 | — | — |
| Net Margin | 21.1% | 21.1% | 19.8% | 27.5% | 18.2% | 8.4% | 41.4% | 56.7% | 24.7% |
| Cash Flow | |||||||||
| Free Cash Flow | $8.8M | $8.8M | $23.0M | $25.8M | $49.2M | $32.1M | $322000.00 | $3.8M | $15.0M |
| Returns | |||||||||
| ROE | 6.3% | 6.3% | 5.1% | 8.2% | 4.2% | 0.5% | 2.3% | 5.9% | 9.7% |
| Valuation | |||||||||
| P/E | 19.95 | 19.95 | 16.97 | 10.52 | 23.88 | — | — | — | — |
| P/B | 1.24 | 1.24 | 0.88 | 0.86 | 1.01 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 25.2% | 25.2% | -3.5% | 41.2% | — | 1.7% | -2.6% | -72.3% | — |
| EPS Growth | 36.1% | 36.1% | -29.9% | 112.2% | — | -81.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
20.5%
EPS terminal req.
$1.45
Spread vs growth
15.6%
5Y implied EPS CAGR
16.2%
EPS terminal req.
$1.76
Spread vs growth
19.9%
10Y implied EPS CAGR
13.0%
EPS terminal req.
$2.83
Spread vs growth
23.0%
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
+43.5%
Start / end P/E
18.7x → 19.7x
EPS bridge
0.61 → 0.83
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.