Financial Services / Banks - RegionalNasdaqGS
$34.41
-0.37 (-1.06%)
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 42.0/100
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
39/100
D
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
$1.2B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
8.8%
↑Gross Margin
N/A
•Debt/Equity
0.59
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.8%
FCF CAGR
+12.0%
FCF margin
28.3%
FCF / Net income
1.21x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $454.0M · net income $106.8M · FCF $128.7M
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 | $454.0M | $454.0M | $443.8M | $422.5M | $323.7M | $61.4M | $53.9M | $56.3M | $50.3M | $126.5M | $115.4M | $108.3M | $80.2M | $67.1M | $69.5M | $75.1M | $89.3M | $102.1M |
| Net Income | $106.8M | $106.8M | $117.2M | $113.4M | $101.3M | $47.6M | $34.8M | $53.7M | $46.3M | $38.5M | $31.2M | $10.9M | $16.7M | $17.6M | $20.4M | $12.6M | $5.6M | $4.2M |
| EBITDA | — | — | — | — | — | $81.6M | $68.3M | $83.2M | $73.1M | $75.3M | $64.5M | $33.3M | $37.4M | $45.2M | $48.7M | $34.3M | $21.6M | $7.2M |
| EPS | 2.99 | 2.99 | 3.31 | 3.44 | 3.60 | 2.15 | 1.73 | 2.63 | 2.41 | 2.10 | 1.71 | 0.61 | 1.35 | 1.63 | 1.92 | 1.07 | 0.31 | 0.20 |
| Operating Margin | — | — | — | — | — | 92.8% | 79.1% | 116.1% | 109.3% | 45.2% | 39.2% | 13.7% | 30.1% | 43.4% | 43.1% | 22.8% | 6.4% | 3.1% |
| Net Margin | 23.5% | 23.5% | 26.4% | 26.8% | 31.3% | 77.5% | 64.5% | 95.4% | 92.0% | 30.4% | 27.0% | 10.1% | 20.8% | 26.2% | 29.3% | 16.7% | 6.2% | 4.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.59 | 0.59 | 0.37 | 0.60 | 0.64 | 0.12 | 0.19 | 0.14 | 0.21 | 0.31 | 0.33 | 0.27 | 0.53 | 0.55 | 0.58 | 0.69 | 0.76 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $128.7M | $128.7M | $136.4M | $130.2M | $113.1M | $149.7M | $81.2M | $64.3M | $70.7M | $56.2M | $55.2M | $38.5M | $24.4M | $33.9M | $36.7M | $42.1M | $43.1M | $21.1M |
| Returns | ||||||||||||||||||
| ROE | 8.8% | 8.8% | 10.5% | 10.8% | 12.9% | 5.6% | 6.0% | 9.0% | 8.9% | 8.4% | 7.2% | 2.6% | 4.9% | 7.9% | 9.2% | 6.1% | 2.7% | 1.7% |
| Valuation | ||||||||||||||||||
| P/E | 11.03 | 11.03 | 9.48 | 9.38 | 7.94 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.01 | 1.01 | 0.99 | 1.00 | 1.02 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 2.3% | 2.3% | 5.1% | 30.5% | — | 13.8% | -4.2% | 12.0% | -60.3% | 9.6% | 6.6% | 35.1% | 19.6% | -3.5% | -7.5% | -15.9% | -12.5% | — |
| EPS Growth | -9.7% | -9.7% | -3.8% | -4.4% | — | 24.3% | -34.2% | 9.1% | 14.8% | 22.8% | 180.3% | -54.8% | -17.2% | -15.1% | 79.4% | 246.2% | 54.5% | — |
| Dividend Yield | 4.9% | 4.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.7%
EPS terminal req.
$3.05
Spread vs growth
-10.4%
5Y implied EPS CAGR
4.3%
EPS terminal req.
$3.69
Spread vs growth
-14.0%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$5.95
Spread vs growth
-16.8%
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
+22.3%
Start / end P/E
8.9x → 11.5x
EPS bridge
3.31 → 2.99
Residual
-2.9%
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.