Financial Services / Banks - RegionalNasdaqGS
$42.81
-0.44 (-1.02%)
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 33.0/100
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
46/100
C
Piotroski
6/9
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
$759M
P/E
17.3x
↑EV/EBITDA
N/A
•ROE
5.7%
↓Gross Margin
N/A
•Debt/Equity
0.33
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+12.4%
FCF margin
10.4%
FCF / Net income
0.77x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $275.9M · net income $37.3M · FCF $28.6M
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 | $275.9M | $275.9M | $222.8M | $224.6M | $237.5M | $210.3M | $189.4M | $175.0M | $159.4M | $145.8M | $125.4M | $108.2M | $88.7M | $73.4M | $72.7M | $65.6M | — | — |
| Net Income | $37.3M | $37.3M | $33.0M | $48.9M | $74.2M | $56.6M | $26.2M | $47.4M | $44.2M | $36.5M | $26.5M | $20.0M | $14.9M | $9.3M | $9.7M | $12.2M | $7.7M | $7.1M |
| EPS | 2.10 | 2.10 | 1.85 | 2.71 | 4.00 | 2.93 | 1.37 | 2.44 | 2.31 | 2.03 | 1.60 | 1.29 | 1.22 | 1.01 | 1.05 | 1.25 | 0.68 | 0.64 |
| Net Margin | 13.5% | 13.5% | 14.8% | 21.7% | 31.3% | 26.9% | 13.8% | 27.1% | 27.7% | 25.0% | 21.1% | 18.5% | 16.8% | 12.6% | 13.3% | 18.5% | — | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.33 | 0.33 | 0.29 | 0.95 | 1.00 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $28.6M | $28.6M | $63.0M | $66.8M | $115.4M | $71.5M | $33.6M | $84.6M | $63.2M | $53.6M | $39.7M | $28.4M | — | $30.2M | $16.8M | $21.5M | $19.0M | $4.4M |
| Returns | ||||||||||||||||||
| ROE | 5.7% | 5.7% | 5.4% | 8.4% | 13.9% | 10.4% | 5.0% | 9.4% | 9.4% | 9.0% | 8.2% | 7.2% | 6.1% | 5.4% | 7.9% | 9.9% | 6.5% | 6.0% |
| Valuation | ||||||||||||||||||
| P/E | 17.33 | 17.33 | 17.09 | 10.79 | 9.05 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.15 | 1.15 | 0.93 | 0.90 | 1.26 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 23.8% | 23.8% | -0.8% | -5.4% | — | 11.1% | 8.2% | 9.8% | 9.3% | 16.3% | 15.9% | 21.9% | 20.9% | 0.9% | 10.8% | — | — | — |
| EPS Growth | 13.5% | 13.5% | -31.7% | -32.3% | — | 113.9% | -43.9% | 5.6% | 13.8% | 26.9% | 24.0% | 5.7% | 20.8% | -3.8% | -16.0% | 83.8% | 6.3% | — |
| Dividend Yield | 0.5% | 0.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
21.8%
EPS terminal req.
$3.80
Spread vs growth
-8.3%
5Y implied EPS CAGR
17.0%
EPS terminal req.
$4.60
Spread vs growth
-3.4%
10Y implied EPS CAGR
13.4%
EPS terminal req.
$7.40
Spread vs growth
0.1%
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
+56.6%
Start / end P/E
14.8x → 20.4x
EPS bridge
1.85 → 2.10
Residual
+5.1%
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.