Financial Services / Banks - RegionalNasdaqCM
$41.71
-0.02 (-0.05%)
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 30.0/100
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
37/100
D
Piotroski
6/9
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
$99M
P/E
14.2x
↑EV/EBITDA
N/A
•ROE
6.5%
↑Gross Margin
N/A
•Debt/Equity
0.20
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+5.4%
FCF CAGR
-0.1%
FCF margin
18.0%
FCF / Net income
0.98x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $38.9M · net income $7.2M · FCF $7.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $38.9M | $38.9M | $35.7M | $38.8M | $39.9M | $33.9M | $34.9M | $34.6M | $33.2M | $27.4M | $25.1M | $22.5M | $21.4M | $19.6M | $18.2M | $18.5M |
| Net Income | $7.2M | $7.2M | $4.6M | $7.4M | $8.8M | $9.2M | $8.9M | $6.7M | $7.0M | $5.1M | $5.4M | $4.8M | $4.2M | $3.9M | $2.6M | $1.6M |
| EPS | 3.01 | 3.01 | 1.94 | 3.13 | 3.41 | 3.46 | 3.42 | 2.57 | 2.74 | 2.00 | 2.09 | 1.86 | 1.63 | 1.49 | 1.00 | 0.59 |
| Net Margin | 18.4% | 18.4% | 13.0% | 19.2% | 22.1% | 27.0% | 25.6% | 19.3% | 21.2% | 18.7% | 21.5% | 21.3% | 19.9% | 20.1% | 14.5% | 8.4% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.20 | 0.20 | 0.39 | 0.56 | 0.62 | — | — | — | — | — | — | 0.74 | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $7.0M | $7.0M | $2.9M | $6.4M | $9.7M | $18.8M | $-891000.00 | $10.4M | $9.7M | $4.3M | $6.1M | — | — | $7.4M | $9.9M | $7.0M |
| Returns | ||||||||||||||||
| ROE | 6.5% | 6.5% | 4.5% | 7.4% | 9.0% | 9.8% | 10.5% | 8.6% | 9.8% | 7.9% | 8.9% | 8.8% | 8.4% | 8.5% | 6.1% | 5.4% |
| Valuation | ||||||||||||||||
| P/E | 14.24 | 14.24 | 27.44 | 12.48 | 11.74 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.91 | 0.91 | 1.23 | 0.92 | 1.06 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 8.9% | 8.9% | -8.1% | -2.6% | — | -3.0% | 1.0% | 4.3% | 20.8% | 9.6% | 11.6% | 5.1% | 8.8% | 8.0% | -1.9% | — |
| EPS Growth | 54.7% | 54.7% | -37.8% | -8.3% | — | 1.2% | 33.1% | -6.2% | 37.0% | -4.3% | 12.4% | 14.1% | 9.4% | 49.0% | 69.5% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.2%
EPS terminal req.
$3.70
Spread vs growth
47.5%
5Y implied EPS CAGR
8.3%
EPS terminal req.
$4.48
Spread vs growth
46.4%
10Y implied EPS CAGR
9.1%
EPS terminal req.
$7.21
Spread vs growth
45.5%
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
-14.6%
Start / end P/E
25.7x → 13.9x
EPS bridge
1.94 → 3.01
Residual
-25.2%
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.