Financial Services / Banks - RegionalNasdaqCM
$21.38
-0.22 (-1.02%)
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 40.0/100
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
48/100
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
$134M
P/E
8.4x
↓EV/EBITDA
N/A
•ROE
9.9%
↑Gross Margin
N/A
•Debt/Equity
0.39
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.5%
FCF CAGR
—
FCF margin
32.7%
FCF / Net income
1.53x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $65.6M · net income $14.0M · FCF $21.4M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $65.6M | $65.6M | $56.9M | $57.0M | $57.6M | $41.9M | $42.6M | $44.4M | $39.5M | $32.5M | $29.1M | $25.9M | $24.4M | $24.8M | $26.1M | $27.5M | $29.6M | $32.6M |
| Net Income | $14.0M | $14.0M | $11.5M | $12.1M | $12.5M | $18.3M | $14.9M | $12.0M | $11.6M | $11.1M | $8.8M | $7.6M | $5.3M | $5.2M | $4.8M | $1.7M | $-15.6M | $382491.00 |
| EPS | 2.19 | 2.19 | 1.72 | 1.75 | 1.77 | 2.56 | 1.96 | 1.44 | 1.44 | 1.66 | 1.31 | 1.13 | 1.02 | 1.02 | 0.94 | 0.32 | -3.06 | 0.07 |
| Net Margin | 21.3% | 21.3% | 20.1% | 21.2% | 21.7% | 43.6% | 35.1% | 27.0% | 29.5% | 34.1% | 30.2% | 29.4% | 21.6% | 20.9% | 18.4% | 6.0% | -52.8% | 1.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.39 | 0.39 | 0.43 | 0.83 | 0.67 | 0.13 | — | — | — | — | — | — | — | 0.01 | 0.03 | 0.06 | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $21.4M | $21.4M | $8.2M | $13.0M | $23.7M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 9.9% | 9.9% | 9.0% | 9.7% | 10.6% | 12.6% | 10.5% | 8.8% | 8.9% | 11.8% | 10.1% | 9.4% | 7.0% | 9.3% | 9.0% | 3.5% | -33.9% | 0.6% |
| Valuation | ||||||||||||||||||
| P/E | 8.38 | 8.38 | 12.16 | 8.73 | 9.40 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.97 | 0.97 | 1.10 | 0.85 | 0.99 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 15.1% | 15.1% | -0.1% | -1.1% | — | -1.7% | -4.0% | 12.5% | 21.5% | 11.8% | 12.0% | 6.2% | -1.8% | -4.9% | -5.0% | -6.9% | -9.3% | — |
| EPS Growth | 27.3% | 27.3% | -1.7% | -1.1% | — | 30.6% | 36.3% | 0.0% | -13.2% | 26.1% | 16.0% | 11.2% | 0.0% | 8.1% | 191.2% | 110.6% | -4685.7% | — |
| Dividend Yield | 3.0% | 3.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.7%
EPS terminal req.
$1.90
Spread vs growth
32.0%
5Y implied EPS CAGR
0.9%
EPS terminal req.
$2.30
Spread vs growth
26.4%
10Y implied EPS CAGR
5.4%
EPS terminal req.
$3.70
Spread vs growth
22.0%
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
11.3x → 9.8x
EPS bridge
1.72 → 2.19
Residual
-3.7%
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.