Financial Services / Banks - RegionalNasdaqCM
$13.57
-0.13 (-0.95%)
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 31.0/100
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
23/100
D
Piotroski
4/9
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
$85M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-1.6%
↓Gross Margin
N/A
•Debt/Equity
0.87
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+7.9%
FCF CAGR
—
FCF margin
22.2%
FCF / Net income
-5.39x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $47.0M · net income $-1.9M · FCF $10.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $47.0M | $47.0M | $46.1M | $43.1M | $46.7M | $45.8M | $42.5M | $41.8M | $34.8M | $29.4M | $24.1M | $21.4M | $19.7M | $18.9M |
| Net Income | $-1.9M | $-1.9M | $3.4M | $9.3M | $12.9M | $12.4M | $7.0M | $4.3M | $4.0M | $3.5M | $3.3M | $2.9M | $2.8M | $2.4M |
| EPS | -0.31 | -0.31 | 0.60 | 1.51 | 2.13 | — | 1.17 | 0.80 | 0.94 | 0.83 | 0.78 | 0.66 | 0.63 | 0.58 |
| Net Margin | -4.1% | -4.1% | 7.3% | 21.6% | 27.7% | 27.1% | 16.4% | 10.2% | 11.6% | 11.9% | 13.6% | 13.5% | 14.2% | 12.7% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 0.87 | 0.87 | 1.12 | 1.77 | 1.37 | 0.59 | 0.80 | 0.75 | 1.24 | 0.70 | 0.29 | 0.23 | 0.16 | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $10.4M | $10.4M | $2.9M | $13.5M | $16.5M | $18.9M | $45.3M | $4.5M | $3.3M | $4.9M | — | — | — | — |
| Returns | ||||||||||||||
| ROE | -1.6% | -1.6% | 2.8% | 7.8% | 11.7% | 11.2% | 7.1% | 4.7% | 6.3% | 5.6% | 5.6% | 4.1% | 4.1% | 5.6% |
| Valuation | ||||||||||||||
| P/E | — | — | 29.13 | 8.85 | 9.04 | — | — | — | — | — | — | — | — | — |
| P/B | 0.54 | 0.54 | 0.68 | 0.52 | 0.79 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 1.9% | 1.9% | 7.1% | -7.7% | — | 7.8% | 1.8% | 20.0% | 18.3% | 22.1% | 12.5% | 8.8% | 4.3% | — |
| EPS Growth | -151.7% | -151.7% | -60.3% | -29.1% | — | — | 46.2% | -14.9% | 13.3% | 6.4% | 18.2% | 4.8% | 8.6% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-7.8%
Start / end P/E
n/dx → n/dx
EPS bridge
0.60 → -0.31
Residual
-10.7%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.