Financial Services / Banks - RegionalNasdaqCM
$52.40
-0.23 (-0.44%)
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 64.0/100
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
45/100
C
Piotroski
4/9
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
$365M
P/E
11.1x
↓EV/EBITDA
N/A
•ROE
11.3%
↑Gross Margin
N/A
•Debt/Equity
0.19
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+9.1%
FCF CAGR
—
FCF margin
21.9%
FCF / Net income
0.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $92.4M · net income $29.6M · FCF $20.3M
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 | $92.4M | $92.4M | $62.2M | $80.1M | $69.3M | $48.1M | $39.6M | $39.3M | $34.3M | $29.0M | $25.1M | $22.6M | $21.1M | $19.5M | $18.4M | $18.7M | $20.7M | $22.8M |
| Net Income | $29.6M | $29.6M | $28.6M | $29.8M | $26.4M | $21.0M | $14.5M | $15.5M | $14.0M | $8.2M | $7.5M | $5.8M | $4.7M | $3.4M | $1.9M | $941000.00 | $971000.00 | $-9.1M |
| EPS | 4.54 | 4.54 | 4.80 | 5.02 | 4.47 | 3.76 | 2.77 | 2.97 | 2.68 | 1.58 | 1.47 | 1.15 | 0.95 | 0.75 | 0.26 | 0.05 | 0.06 | -2.05 |
| Net Margin | 32.0% | 32.0% | 46.0% | 37.2% | 38.2% | 43.7% | 36.5% | 39.5% | 40.8% | 28.3% | 29.8% | 25.7% | 22.4% | 17.6% | 10.6% | 5.0% | 4.7% | -40.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.19 | 0.19 | 0.22 | 0.63 | 0.09 | 0.00 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $20.3M | $20.3M | $29.8M | $36.1M | $53.9M | $-9.3M | $23.0M | $14.1M | $11.8M | $10.9M | $8.3M | $4.6M | — | $10.4M | $4.9M | $9.8M | $8.9M | $-183000.00 |
| Returns | ||||||||||||||||||
| ROE | 11.3% | 11.3% | 16.1% | 20.2% | 22.2% | 15.7% | 14.5% | 18.4% | 20.9% | 14.7% | 15.6% | 13.7% | 13.0% | 11.2% | 4.7% | 2.4% | 2.6% | -23.9% |
| Valuation | ||||||||||||||||||
| P/E | 11.10 | 11.10 | 9.63 | 7.74 | 8.23 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.31 | 1.31 | 1.55 | 1.57 | 1.83 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 48.5% | 48.5% | -22.3% | 15.6% | — | 21.3% | 0.8% | 14.5% | 18.5% | 15.4% | 11.0% | 6.9% | 8.7% | 5.6% | -1.3% | -9.7% | -9.4% | — |
| EPS Growth | -5.4% | -5.4% | -4.4% | 12.3% | — | 35.7% | -6.7% | 10.8% | 69.6% | 7.5% | 27.8% | 21.1% | 26.7% | 188.5% | 420.0% | -16.7% | 102.9% | — |
| Dividend Yield | 2.5% | 2.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.8%
EPS terminal req.
$4.65
Spread vs growth
-6.2%
5Y implied EPS CAGR
4.4%
EPS terminal req.
$5.63
Spread vs growth
-9.8%
10Y implied EPS CAGR
7.2%
EPS terminal req.
$9.06
Spread vs growth
-12.6%
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
+22.9%
Start / end P/E
9.1x → 11.5x
EPS bridge
4.80 → 4.54
Residual
-1.5%
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.