Financial Services / Banks - RegionalNasdaqCM
$30.71
-0.02 (-0.07%)
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 47.0/100
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
50/100
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
$364M
P/E
8.8x
↓EV/EBITDA
N/A
•ROE
11.6%
↑Gross Margin
N/A
•Debt/Equity
0.44
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+4.4%
FCF CAGR
+6.3%
FCF margin
48.8%
FCF / Net income
1.03x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $79.9M · net income $37.8M · FCF $39.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $79.9M | $79.9M | $63.0M | $70.9M | $81.7M | $82.1M | $84.5M | $79.5M | $61.9M | $48.7M | $42.2M | $39.4M | $38.1M | $36.8M | $37.7M | $41.3M | $41.7M |
| Net Income | $37.8M | $37.8M | $27.5M | $28.5M | $41.8M | $40.8M | $28.4M | $29.8M | $24.8M | $11.9M | $18.5M | $10.7M | $10.5M | $7.6M | $7.3M | $7.3M | $7.3M |
| EPS | 3.16 | 3.16 | 2.27 | 2.35 | 3.44 | 3.36 | 2.37 | 2.48 | 2.07 | 1.03 | 1.75 | 1.02 | 1.09 | 1.17 | 0.88 | 0.86 | 0.87 |
| Net Margin | 47.3% | 47.3% | 43.7% | 40.1% | 51.2% | 49.7% | 33.6% | 37.5% | 40.1% | 24.4% | 43.9% | 27.1% | 27.5% | 20.6% | 19.4% | 17.6% | 17.6% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.44 | 0.44 | 0.63 | 0.59 | 0.47 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $39.0M | $39.0M | $35.0M | $23.0M | $43.3M | $38.6M | $36.3M | $33.8M | $28.8M | $16.8M | — | — | — | $5.5M | $17.1M | $17.3M | $15.6M |
| Returns | |||||||||||||||||
| ROE | 11.6% | 11.6% | 9.2% | 10.0% | 15.7% | 17.5% | 14.1% | 16.8% | 16.2% | 8.8% | 14.6% | 9.5% | 10.2% | 8.1% | 8.7% | 9.4% | 10.4% |
| Valuation | |||||||||||||||||
| P/E | 8.77 | 8.77 | 8.73 | 8.50 | 6.06 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.13 | 1.13 | 0.80 | 0.85 | 0.95 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 26.8% | 26.8% | -11.1% | -13.2% | — | -2.9% | 6.3% | 28.6% | 27.2% | 15.3% | 7.1% | 3.4% | 3.7% | -2.5% | -8.6% | -0.9% | — |
| EPS Growth | 39.2% | 39.2% | -3.4% | -31.7% | — | 41.8% | -4.4% | 19.8% | 101.5% | -41.1% | 71.4% | -6.7% | -7.0% | 34.0% | 1.4% | -0.4% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.8%
EPS terminal req.
$2.73
Spread vs growth
44.0%
5Y implied EPS CAGR
0.9%
EPS terminal req.
$3.30
Spread vs growth
38.4%
10Y implied EPS CAGR
5.3%
EPS terminal req.
$5.31
Spread vs growth
33.9%
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
+60.7%
Start / end P/E
8.5x → 9.7x
EPS bridge
2.27 → 3.16
Residual
+5.4%
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.