Financial Services / Banks - RegionalNasdaqGS
$91.15
+0.53 (+0.58%)
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 46.0/100
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
50/100
C
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
$600M
P/E
13.7x
↑EV/EBITDA
N/A
•ROE
11.7%
↑Gross Margin
N/A
•Debt/Equity
0.00
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+9.3%
FCF CAGR
+10.8%
FCF margin
33.9%
FCF / Net income
0.99x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $124.4M · net income $42.8M · FCF $42.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $124.4M | $124.4M | $108.8M | $106.6M | $104.7M | $77.3M | $77.4M | $73.7M | $66.9M |
| Net Income | $42.8M | $42.8M | $34.2M | $34.9M | $36.9M | $33.0M | $28.1M | $24.8M | $23.1M |
| EPS | 6.38 | 6.38 | 4.95 | 4.86 | 5.13 | 4.51 | 3.83 | 3.49 | 3.41 |
| Net Margin | 34.4% | 34.4% | 31.5% | 32.7% | 35.2% | 42.6% | 36.4% | 33.7% | 34.5% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $42.2M | $42.2M | $33.4M | $35.2M | $37.4M | $58.8M | $5.8M | $22.7M | $20.6M |
| Returns | |||||||||
| ROE | 11.7% | 11.7% | 10.7% | 11.5% | 13.9% | 11.1% | 9.9% | 9.9% | 11.9% |
| Valuation | |||||||||
| P/E | 13.67 | 13.67 | 10.66 | 11.06 | 9.61 | — | — | — | — |
| P/B | 1.67 | 1.67 | 1.14 | 1.27 | 1.34 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 14.3% | 14.3% | 2.1% | 1.8% | — | -0.1% | 5.0% | 10.2% | — |
| EPS Growth | 28.9% | 28.9% | 1.9% | -5.3% | — | 17.8% | 9.7% | 2.3% | — |
| Dividend Yield | 0.9% | 0.9% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.2%
EPS terminal req.
$8.09
Spread vs growth
20.7%
5Y implied EPS CAGR
8.9%
EPS terminal req.
$9.79
Spread vs growth
20.0%
10Y implied EPS CAGR
9.5%
EPS terminal req.
$15.76
Spread vs growth
19.4%
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
+63.9%
Start / end P/E
11.3x → 14.3x
EPS bridge
4.95 → 6.38
Residual
+7.7%
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.