Financial Services / Banks - RegionalNasdaqGS
$24.28
-0.29 (-1.18%)
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 38.0/100
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
48/100
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
$346M
P/E
8.7x
↓EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.14
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2016–2025 · 9 años de histórico normalizado
Revenue CAGR
+55.2%
FCF CAGR
-4.9%
FCF margin
21.1%
FCF / Net income
0.65x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $115.7M · net income $37.5M · FCF $24.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | $115.7M | $115.7M | $99.7M | $99.2M | $104.1M | $2.4M | $2.2M | $2.6M | $2.4M | $2.2M | $2.2M |
| Net Income | $37.5M | $37.5M | $25.8M | $30.7M | $35.0M | $40.1M | $16.2M | $24.1M | $24.3M | $16.4M | $14.0M |
| EPS | 2.58 | 2.58 | 1.74 | 2.12 | 2.31 | 2.62 | 1.04 | 1.49 | 1.65 | 1.21 | 1.11 |
| Net Margin | 32.4% | 32.4% | 25.9% | 31.0% | 33.6% | 1692.8% | 725.0% | 945.0% | 996.4% | 745.9% | 630.4% |
| Balance Sheet | |||||||||||
| Debt/Equity | 0.14 | 0.14 | 0.09 | 0.17 | 0.08 | — | — | — | — | — | — |
| Cash Flow | |||||||||||
| Free Cash Flow | $24.4M | $24.4M | $34.9M | $62.0M | $51.8M | $-2.0M | $15.3M | $29.4M | $29.5M | $19.9M | $38.2M |
| Returns | |||||||||||
| ROE | 9.6% | 9.6% | 7.1% | 8.8% | 10.4% | 15.6% | 6.9% | 10.6% | 11.6% | 11.5% | 11.0% |
| Valuation | |||||||||||
| P/E | 8.70 | 8.70 | 11.45 | 8.64 | 7.72 | — | — | — | — | — | — |
| P/B | 0.89 | 0.89 | 0.79 | 0.76 | 0.80 | — | — | — | — | — | — |
| Growth & Yield | |||||||||||
| Revenue Growth | 16.1% | 16.1% | 0.5% | -4.7% | — | 6.2% | -12.5% | 4.6% | 10.9% | -1.0% | — |
| EPS Growth | 48.3% | 48.3% | -17.9% | -8.2% | — | 151.9% | -30.2% | -9.7% | 36.4% | 9.0% | — |
| Dividend Yield | 3.4% | 3.4% | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.8%
EPS terminal req.
$2.15
Spread vs growth
54.1%
5Y implied EPS CAGR
0.2%
EPS terminal req.
$2.61
Spread vs growth
48.1%
10Y implied EPS CAGR
5.0%
EPS terminal req.
$4.20
Spread vs growth
43.3%
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
+29.0%
Start / end P/E
11.1x → 9.4x
EPS bridge
1.74 → 2.58
Residual
-7.4%
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.