Financial Services / Banks - RegionalNasdaqGM
$41.51
-0.59 (-1.40%)
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 50.0/100
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
51/100
C
Piotroski
7/9
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
$220M
P/E
11.4x
↓EV/EBITDA
N/A
•ROE
12.6%
↑Gross Margin
N/A
•Debt/Equity
0.12
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+2.5%
FCF CAGR
+12.4%
FCF margin
26.8%
FCF / Net income
1.01x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $74.4M · net income $19.8M · FCF $20.0M
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 | $74.4M | $74.4M | $71.1M | $68.6M | $67.4M | $47.2M | $48.0M | $49.6M | $45.4M | $41.9M | $39.8M | $38.7M | $38.4M | $36.7M | $39.2M | $45.3M | $47.7M | $50.0M |
| Net Income | $19.8M | $19.8M | $16.4M | $15.5M | $16.1M | $15.1M | $11.4M | $14.1M | $13.4M | $10.3M | $9.2M | $9.6M | $9.4M | $6.7M | $5.8M | $5.2M | $1.8M | $2.9M |
| EPS | 3.62 | 3.62 | 2.98 | 2.77 | 2.85 | 2.63 | 1.95 | 2.36 | 2.22 | 1.69 | 1.50 | 1.56 | 1.51 | 0.97 | 0.78 | 0.62 | 0.07 | 0.27 |
| Net Margin | 26.6% | 26.6% | 23.0% | 22.7% | 23.9% | 32.1% | 23.7% | 28.4% | 29.5% | 24.5% | 23.1% | 24.9% | 24.4% | 18.2% | 14.8% | 11.4% | 3.9% | 5.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.12 | 0.12 | 0.15 | 0.17 | 0.20 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $20.0M | $20.0M | $20.0M | $20.8M | $18.1M | $26.4M | $6.7M | $10.4M | $15.4M | $13.0M | $10.6M | $11.5M | $-1.2M | $22.5M | $18.1M | $20.8M | $16.4M | $3.1M |
| Returns | ||||||||||||||||||
| ROE | 12.6% | 12.6% | 12.5% | 12.8% | 15.3% | 10.6% | 8.1% | 10.5% | 10.8% | 8.9% | 8.5% | 9.2% | 9.5% | 8.0% | 5.9% | 5.0% | 1.9% | — |
| Valuation | ||||||||||||||||||
| P/E | 11.44 | 11.44 | 10.22 | 10.79 | 11.39 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.45 | 1.45 | 1.28 | 1.39 | 1.75 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 4.6% | 4.6% | 3.6% | 1.8% | — | -1.6% | -3.3% | 9.4% | 8.1% | 5.4% | 3.0% | 0.6% | 4.7% | -6.5% | -13.3% | -5.1% | -4.7% | — |
| EPS Growth | 21.5% | 21.5% | 7.6% | -2.8% | — | 34.9% | -17.4% | 6.3% | 31.4% | 12.7% | -3.8% | 3.4% | 55.1% | 24.4% | 26.5% | 750.0% | -73.3% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.6%
EPS terminal req.
$3.68
Spread vs growth
20.9%
5Y implied EPS CAGR
4.2%
EPS terminal req.
$4.46
Spread vs growth
17.2%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$7.18
Spread vs growth
14.4%
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
+52.8%
Start / end P/E
9.2x → 11.5x
EPS bridge
2.98 → 3.62
Residual
+5.2%
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.