Financial Services / Banks - RegionalOTC Markets OTCID
$41.25
+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 56.0/100
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
38/100
D
Piotroski
3/9
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
$594M
P/E
8.8x
↓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
+6.1%
FCF CAGR
+6.0%
FCF margin
53.3%
FCF / Net income
1.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $141.6M · net income $68.4M · FCF $75.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $141.6M | $141.6M | $151.3M | $133.7M | $118.6M |
| Net Income | $68.4M | $68.4M | $73.4M | $60.3M | $47.8M |
| EPS | — | — | 4.99 | 4.05 | 3.22 |
| Net Margin | 48.3% | 48.3% | 48.5% | 45.1% | 40.3% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | — | 0.28 |
| Cash Flow | |||||
| Free Cash Flow | $75.5M | $75.5M | $61.2M | $69.9M | $63.3M |
| Returns | |||||
| ROE | 12.5% | 12.5% | 15.1% | 14.4% | 13.5% |
| Valuation | |||||
| P/E | 8.80 | 8.80 | 6.21 | 5.60 | 7.45 |
| P/B | 1.07 | 1.07 | 0.94 | 0.81 | 1.01 |
| Growth & Yield | |||||
| Revenue Growth | -6.4% | -6.4% | 13.1% | 12.8% | — |
| EPS Growth | — | — | 23.2% | 25.7% | — |
| Dividend Yield | 0.4% | 0.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+23.9%
Start / end P/E
n/dx → n/dx
EPS bridge
4.99 → n/d
Residual
+23.5%
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.