Financial Services / Banks - RegionalNasdaqCM
$14.23
-0.29 (-2.00%)
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 28.0/100
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
36/100
D
Piotroski
7/9
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
$139M
P/E
11.4x
↓EV/EBITDA
N/A
•ROE
7.9%
↑Gross Margin
N/A
•Debt/Equity
1.73
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+4.8%
FCF CAGR
+10.8%
FCF margin
30.0%
FCF / Net income
1.26x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $48.8M · net income $11.6M · FCF $14.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $48.8M | $48.8M | $43.2M | $42.1M | $46.4M | $45.9M | $42.9M | $41.6M | $35.2M |
| Net Income | $11.6M | $11.6M | $9.4M | $9.5M | $13.0M | $11.1M | $10.0M | $-14.1M | $5.7M |
| EPS | 1.17 | 1.17 | 0.92 | 0.91 | 1.17 | 0.96 | 0.82 | -1.27 | — |
| Net Margin | 23.7% | 23.7% | 21.7% | 22.6% | 28.0% | 24.3% | 23.4% | -33.9% | 16.1% |
| Balance Sheet | |||||||||
| Debt/Equity | 1.73 | 1.73 | 1.99 | 2.01 | 1.36 | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $14.6M | $14.6M | $14.3M | $11.5M | $17.8M | $-10.2M | $14.7M | $9.1M | $7.1M |
| Returns | |||||||||
| ROE | 7.9% | 7.9% | 7.1% | 7.0% | 9.8% | 6.2% | 5.2% | -7.5% | 6.6% |
| Valuation | |||||||||
| P/E | 11.38 | 11.38 | 14.51 | 11.99 | 11.17 | — | — | — | — |
| P/B | 0.97 | 0.97 | 1.03 | 0.85 | 1.09 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 12.8% | 12.8% | 2.8% | -9.3% | — | 7.2% | 3.1% | 18.1% | — |
| EPS Growth | 27.2% | 27.2% | 1.1% | -22.2% | — | 17.1% | 164.6% | — | — |
| Dividend Yield | 4.2% | 4.2% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.6%
EPS terminal req.
$1.26
Spread vs growth
24.6%
5Y implied EPS CAGR
5.5%
EPS terminal req.
$1.53
Spread vs growth
21.7%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$2.46
Spread vs growth
19.5%
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
+11.7%
Start / end P/E
14.4x → 12.2x
EPS bridge
0.92 → 1.17
Residual
-4.2%
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.