Financial Services / Banks - RegionalXETRA
$3.38
+0.02 (+0.60%)
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 50.0/100
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
20/100
D
Piotroski
1/9
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
$147M
P/E
13.5x
↑EV/EBITDA
N/A
•ROE
12.5%
↑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
+11.9%
FCF CAGR
—
FCF margin
—
FCF / Net income
—
Latest source
Provider fallback
Margin decomposition
Último año: revenue $83.1M · net income $11.0M · FCF —
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $83.1M | $83.1M | $83.7M | $70.3M | $59.4M |
| Net Income | $11.0M | $11.0M | $13.2M | $9.5M | $8.0M |
| EPS | 0.25 | 0.25 | 0.30 | 0.22 | 0.18 |
| Net Margin | 13.3% | 13.3% | 15.7% | 13.5% | 13.5% |
| Returns | |||||
| ROE | 12.5% | 12.5% | 15.6% | 12.5% | 11.4% |
| Valuation | |||||
| P/E | 13.52 | 13.52 | 11.33 | 16.02 | 18.62 |
| P/B | 1.66 | 1.66 | 1.77 | 2.00 | 2.12 |
| Growth & Yield | |||||
| Revenue Growth | -0.8% | -0.8% | 19.1% | 18.4% | — |
| EPS Growth | -16.2% | -16.2% | 39.0% | 18.2% | — |
| Dividend Yield | 3.9% | 3.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
5.6%
EPS terminal req.
$0.30
Spread vs growth
-21.8%
5Y implied EPS CAGR
7.4%
EPS terminal req.
$0.36
Spread vs growth
-23.5%
10Y implied EPS CAGR
8.7%
EPS terminal req.
$0.58
Spread vs growth
-24.9%
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
-16.4%
Start / end P/E
14.0x → 13.3x
EPS bridge
0.30 → 0.25
Residual
+0.8%
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.