Financial Services / Banks - RegionalOTC Markets OTCID
$36.50
-0.50 (-1.35%)
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 26.0/100
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
45/100
C
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
$113M
P/E
9.6x
↓EV/EBITDA
N/A
•ROE
6.8%
↑Gross Margin
N/A
•Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+1.2%
FCF CAGR
-0.2%
FCF margin
15.5%
FCF / Net income
0.64x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $56.7M · net income $13.7M · FCF $8.8M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $56.7M | $56.7M | $50.5M | $47.2M | $45.9M | $37.1M | $37.1M | $36.9M | $33.1M | $29.8M | $28.4M | $27.9M | $29.5M | $30.4M | $33.7M | $43.7M | $47.5M |
| Net Income | $13.7M | $13.7M | $9.8M | $10.2M | $10.2M | $12.8M | $7.1M | $7.8M | $7.2M | $5.9M | $5.9M | $6.1M | $5.8M | $3.8M | $2.4M | $1.8M | $1.6M |
| EPS | — | — | 2.77 | 3.14 | 3.14 | 3.93 | 2.19 | 2.50 | 2.32 | 1.91 | 1.99 | 1.84 | 1.75 | 1.12 | 0.66 | 0.43 | 0.25 |
| Net Margin | 24.1% | 24.1% | 19.4% | 21.6% | 22.3% | 34.4% | 19.0% | 21.1% | 21.8% | 19.9% | 20.9% | 21.9% | 19.7% | 12.5% | 7.1% | 4.2% | 3.4% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.18 | 0.18 | 0.24 | 0.30 | 0.38 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $8.8M | $8.8M | $25.7M | $6.0M | $17.2M | $17.1M | $8.1M | $7.2M | $11.6M | $10.5M | $8.9M | $5.9M | $10.0M | $19.8M | — | $14.7M | $9.1M |
| Returns | |||||||||||||||||
| ROE | 6.8% | 6.8% | 5.4% | 5.9% | 6.4% | 11.1% | 6.3% | 8.5% | 9.0% | 7.6% | 8.3% | 6.7% | 6.6% | 4.9% | 2.9% | 2.4% | — |
| Valuation | |||||||||||||||||
| P/E | 9.61 | 9.61 | 9.96 | 7.32 | 8.12 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.57 | 0.57 | 0.48 | 0.43 | 0.52 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 12.2% | 12.2% | 7.0% | 2.9% | — | 0.1% | 0.4% | 11.7% | 11.0% | 4.9% | 1.7% | -5.3% | -3.2% | -9.8% | -22.9% | -7.9% | — |
| EPS Growth | — | — | -11.8% | 0.0% | — | 79.5% | -12.4% | 7.8% | 21.5% | -4.0% | 8.2% | 5.1% | 56.2% | 69.7% | 53.5% | 72.0% | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+25.5%
Start / end P/E
n/dx → n/dx
EPS bridge
2.77 → n/d
Residual
+23.7%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.