Financial Services / Banks - RegionalNYSE
$32.58
-0.18 (-0.55%)
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 45.0/100
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
25/100
D
Piotroski
4/9
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
$969M
P/E
13.8x
↑EV/EBITDA
N/A
•ROE
8.2%
↑Gross Margin
N/A
•Debt/Equity
0.87
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+3.1%
FCF CAGR
+9.2%
FCF margin
31.0%
FCF / Net income
1.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $237.0M · net income $69.2M · FCF $73.5M
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 | $237.0M | $237.0M | $257.9M | $250.9M | $253.2M | $216.0M | $231.8M | $240.8M | $229.2M | $187.5M | $168.9M | $154.5M | $123.8M | $119.6M | $116.0M | $131.0M | $131.4M | $145.2M |
| Net Income | $69.2M | $69.2M | $88.5M | $86.7M | $105.0M | $113.4M | $82.2M | $74.6M | $74.1M | $54.3M | $49.3M | $44.0M | $20.8M | $41.2M | $34.7M | $39.1M | $39.1M | $44.4M |
| EPS | 2.29 | 2.29 | 2.91 | 2.82 | 3.26 | 3.47 | 2.47 | 2.20 | 2.11 | 1.81 | 1.81 | 1.61 | 0.97 | 2.04 | 1.69 | 1.91 | 1.90 | 2.15 |
| Net Margin | 29.2% | 29.2% | 34.3% | 34.6% | 41.5% | 52.5% | 35.4% | 31.0% | 32.4% | 29.0% | 29.2% | 28.5% | 16.8% | 34.4% | 29.9% | 29.9% | 29.8% | 30.6% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.87 | 0.87 | 1.20 | 1.16 | 0.74 | 0.17 | 0.29 | 0.20 | 0.22 | 0.21 | 0.31 | 1.27 | 1.55 | 2.16 | 1.67 | 1.24 | 2.02 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $73.5M | $73.5M | $90.7M | $73.0M | $217.2M | $147.7M | $79.1M | $64.7M | $109.0M | $82.1M | $80.2M | $69.2M | $50.9M | $53.8M | $66.5M | $69.7M | $45.7M | $18.1M |
| Returns | ||||||||||||||||||
| ROE | 8.2% | 8.2% | 10.9% | 11.2% | 14.1% | 12.4% | 9.4% | 9.3% | 10.1% | 7.2% | 9.5% | 9.9% | 4.9% | 15.9% | 13.5% | 15.1% | 18.2% | — |
| Valuation | ||||||||||||||||||
| P/E | 13.81 | 13.81 | 10.73 | 11.08 | 11.06 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.16 | 1.16 | 1.17 | 1.24 | 1.56 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -8.1% | -8.1% | 2.8% | -0.9% | — | -6.8% | -3.7% | 5.1% | 22.2% | 11.0% | 9.3% | 24.8% | 3.5% | 3.1% | -11.5% | -0.3% | -9.5% | — |
| EPS Growth | -21.3% | -21.3% | 3.2% | -13.5% | — | 40.5% | 12.3% | 4.3% | 16.6% | 0.0% | 12.4% | 66.5% | -52.6% | 20.6% | -11.5% | 0.8% | -11.8% | — |
| Dividend Yield | 4.4% | 4.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.1%
EPS terminal req.
$2.89
Spread vs growth
-29.4%
5Y implied EPS CAGR
8.8%
EPS terminal req.
$3.50
Spread vs growth
-30.1%
10Y implied EPS CAGR
9.4%
EPS terminal req.
$5.63
Spread vs growth
-30.7%
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
+20.0%
Start / end P/E
9.7x → 14.2x
EPS bridge
2.91 → 2.29
Residual
-10.0%
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.