Financial Services / Banks - RegionalNasdaqGS
$16.95
+0.00 (+0.00%)
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 24.0/100
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
30/100
D
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
$106M
P/E
18.2x
↑EV/EBITDA
N/A
•ROE
4.9%
↓Gross Margin
N/A
•Debt/Equity
1.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
-3.8%
FCF CAGR
+12.7%
FCF margin
20.9%
FCF / Net income
1.30x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $39.0M · net income $6.3M · FCF $8.2M
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 | $39.0M | $39.0M | $38.9M | $41.1M | $36.3M | $35.2M | $42.5M | $44.4M | $42.7M | $42.4M | $39.3M | $39.7M | $38.1M | $44.2M | $51.4M | $58.7M | $70.2M |
| Net Income | $6.3M | $6.3M | $7.4M | $8.6M | $9.1M | $7.6M | $7.7M | $4.4M | $2.1M | $5.2M | $7.5M | $9.8M | $6.6M | $25.8M | $10.8M | $13.2M | $1.1M |
| EPS | — | — | 1.06 | 1.19 | 1.22 | 1.00 | 1.01 | 0.58 | 0.28 | 0.64 | 0.88 | 1.07 | 0.65 | 2.38 | 0.96 | 1.16 | 0.13 |
| Net Margin | 16.0% | 16.0% | 18.9% | 20.9% | 25.0% | 21.5% | 18.1% | 10.0% | 5.0% | 12.3% | 19.0% | 24.7% | 17.4% | 58.4% | 21.0% | 22.5% | 1.6% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 1.66 | 1.66 | 1.84 | 1.81 | 0.66 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $8.2M | $8.2M | $4.1M | $15.6M | $11.6M | $11.3M | $7.7M | $106.6M | $25.1M | $82.0M | $46.3M | $-58.2M | $47.8M | $54.0M | $-14.9M | $-3.3M | $1.4M |
| Returns | |||||||||||||||||
| ROE | 4.9% | 4.9% | 5.7% | 6.6% | 7.1% | 5.9% | 6.2% | 3.7% | 1.8% | 4.1% | 5.6% | 6.9% | 4.5% | 16.1% | 7.5% | 9.4% | — |
| Valuation | |||||||||||||||||
| P/E | 18.23 | 18.23 | 11.63 | 10.87 | 12.12 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.87 | 0.87 | 0.66 | 0.72 | 0.86 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 0.3% | 0.3% | -5.3% | 13.1% | — | -17.1% | -4.3% | 3.9% | 0.7% | 7.9% | -1.0% | 4.3% | -13.8% | -14.1% | -12.4% | -16.4% | — |
| EPS Growth | — | — | -10.9% | -2.5% | — | -1.0% | 74.1% | 107.1% | -56.3% | -27.3% | -17.8% | 64.6% | -72.7% | 147.9% | -17.2% | 792.3% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+13.2%
Start / end P/E
n/dx → n/dx
EPS bridge
1.06 → n/d
Residual
+9.9%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.