Financial Services / Banks - RegionalMilan
$0.16
-0.00 (-2.84%)
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 26.0/100
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
16/100
F
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$109M
P/E
16.4x
↑EV/EBITDA
N/A
•ROE
6.0%
↓Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-2.5%
FCF CAGR
—
FCF margin
-35.5%
FCF / Net income
-2.40x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $67.7M · net income $10.0M · FCF $-24.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $67.7M | $67.7M | $77.8M | $79.4M | $73.0M |
| Net Income | $10.0M | $10.0M | $9.3M | $12.1M | $11.1M |
| EPS | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 |
| Net Margin | 14.8% | 14.8% | 11.9% | 15.3% | 15.2% |
| Cash Flow | |||||
| Free Cash Flow | $-24.0M | $-24.0M | $31.1M | $51.9M | $48.9M |
| Returns | |||||
| ROE | 6.0% | 6.0% | 5.8% | 7.3% | 6.9% |
| Valuation | |||||
| P/E | 16.42 | 16.42 | 13.39 | 11.10 | 11.76 |
| P/B | 0.65 | 0.65 | 0.77 | 0.81 | 0.84 |
| Growth & Yield | |||||
| Revenue Growth | -12.9% | -12.9% | -2.0% | 8.7% | — |
| EPS Growth | 8.1% | 8.1% | -23.8% | 8.1% | — |
| Dividend Yield | 4.1% | 4.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
-1.3%
EPS terminal req.
$0.01
Spread vs growth
9.4%
5Y implied EPS CAGR
3.1%
EPS terminal req.
$0.02
Spread vs growth
5.0%
10Y implied EPS CAGR
6.5%
EPS terminal req.
$0.03
Spread vs growth
1.6%
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
-2.8%
Start / end P/E
12.6x → 10.8x
EPS bridge
0.01 → 0.02
Residual
-1.1%
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.