Financial Services / Banks - RegionalNasdaqGS
$58.04
-1.37 (-2.31%)
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 46.0/100
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
54/100
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
$581M
P/E
9.9x
↓EV/EBITDA
N/A
•ROE
11.4%
↑Gross Margin
N/A
•Debt/Equity
0.50
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+13.6%
FCF CAGR
+17.0%
FCF margin
23.1%
FCF / Net income
0.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $187.8M · net income $59.2M · FCF $43.3M
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 | $187.8M | $187.8M | $134.5M | $100.9M | $108.1M | $94.1M | $94.1M | $93.4M | $84.7M | $74.2M | $69.0M | $63.0M | $64.0M | $37.4M | $37.6M | $39.7M | $25.6M | $24.3M |
| Net Income | $59.2M | $59.2M | $8.5M | $27.4M | $38.1M | $43.5M | $29.4M | $25.7M | $24.9M | $18.5M | $19.6M | $17.7M | $17.6M | $5.7M | $10.6M | $10.5M | $6.5M | $5.0M |
| EPS | 5.88 | 5.88 | 0.99 | 3.83 | 5.28 | 6.02 | 4.00 | 3.47 | 3.37 | 2.50 | 2.65 | 2.36 | 2.34 | 1.21 | 2.37 | 2.36 | 2.06 | 1.61 |
| Net Margin | 31.5% | 31.5% | 6.3% | 27.1% | 35.2% | 46.3% | 31.2% | 27.6% | 29.4% | 24.9% | 28.4% | 28.1% | 27.6% | 15.3% | 28.2% | 26.5% | 25.4% | 20.8% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.50 | 0.50 | 0.33 | 0.22 | 0.47 | — | — | 0.11 | 0.14 | 0.19 | 0.23 | 0.24 | 0.13 | 0.15 | 0.34 | 0.15 | 0.23 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.3M | $43.3M | $32.1M | $27.3M | $34.5M | $35.9M | $34.9M | $31.5M | $28.6M | $22.3M | $21.3M | $24.8M | — | $9.2M | $9.7M | $13.2M | $9.8M | $3.5M |
| Returns | ||||||||||||||||||
| ROE | 11.4% | 11.4% | 1.8% | 8.0% | 12.1% | 12.8% | 9.3% | 8.6% | 8.9% | 7.0% | 7.6% | 7.1% | 7.2% | 2.4% | 8.0% | 8.3% | 5.4% | 11.2% |
| Valuation | ||||||||||||||||||
| P/E | 9.90 | 9.90 | 50.65 | 12.41 | 9.59 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.12 | 1.12 | 0.92 | 1.00 | 1.16 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 39.6% | 39.6% | 33.3% | -6.6% | — | -0.1% | 0.8% | 10.3% | 14.0% | 7.6% | 9.4% | -1.4% | 71.1% | -0.6% | -5.3% | 55.2% | 5.4% | — |
| EPS Growth | 493.9% | 493.9% | -74.2% | -27.5% | — | 50.5% | 15.3% | 3.0% | 34.8% | -5.7% | 12.3% | 0.9% | 93.4% | -48.9% | 0.4% | 14.6% | 28.0% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.3%
EPS terminal req.
$5.15
Spread vs growth
498.3%
5Y implied EPS CAGR
1.2%
EPS terminal req.
$6.23
Spread vs growth
492.8%
10Y implied EPS CAGR
5.5%
EPS terminal req.
$10.04
Spread vs growth
488.4%
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
+25.0%
Start / end P/E
48.5x → 9.9x
EPS bridge
0.99 → 5.88
Residual
-393.5%
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.