Financial Services / Banks - RegionalNasdaqGS
$20.39
-0.27 (-1.31%)
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 32.0/100
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
62/100
B
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
$682M
P/E
10.8x
↓EV/EBITDA
N/A
•ROE
10.1%
↑Gross Margin
N/A
•Debt/Equity
0.17
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.8%
FCF CAGR
+9.7%
FCF margin
26.3%
FCF / Net income
1.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $225.1M · net income $59.5M · FCF $59.2M
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 | $225.1M | $225.1M | $201.7M | $159.7M | $124.4M | $70.2M | $59.7M | $59.8M | $55.9M | $48.0M | $40.7M | $38.9M | $38.3M | $41.4M | $45.9M | $50.9M | $55.5M | $58.8M |
| Net Income | $59.5M | $59.5M | $43.9M | $11.2M | $31.2M | $15.4M | $15.7M | $16.2M | $25.0M | $11.3M | $9.6M | $7.1M | $5.1M | $-9.6M | $-9.6M | $-897000.00 | $-1.7M | $7.3M |
| EPS | 1.78 | 1.78 | 1.32 | 0.42 | 1.57 | 1.17 | 1.27 | 1.27 | 1.96 | 0.89 | 0.76 | 0.56 | 0.46 | -1.14 | -1.14 | -0.11 | -0.20 | 0.64 |
| Net Margin | 26.4% | 26.4% | 21.8% | 7.0% | 25.1% | 21.9% | 26.4% | 27.1% | 44.7% | 23.5% | 23.7% | 18.3% | 13.2% | -23.3% | -21.0% | -1.8% | -3.0% | 12.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.17 | 0.17 | 0.25 | 0.17 | 0.26 | — | — | 0.08 | 0.08 | — | — | — | — | — | 0.00 | 0.00 | 0.01 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $59.2M | $59.2M | $41.7M | $16.8M | $50.2M | $-11.0M | $16.1M | $11.5M | $17.2M | $18.3M | $18.3M | $13.6M | — | — | $19.2M | $20.7M | $18.6M | $13.5M |
| Returns | ||||||||||||||||||
| ROE | 10.1% | 10.1% | 8.1% | 2.2% | 8.6% | 4.4% | 8.1% | 8.4% | 13.6% | 6.9% | 6.2% | 4.8% | 3.6% | -9.3% | -8.5% | -0.7% | -1.4% | 5.7% |
| Valuation | ||||||||||||||||||
| P/E | 10.85 | 10.85 | 11.95 | 32.48 | 11.16 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.15 | 1.15 | 0.97 | 0.71 | 0.95 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 11.6% | 11.6% | 26.3% | 28.3% | — | 17.6% | -0.2% | 6.9% | 16.6% | 18.0% | 4.6% | 1.5% | -7.4% | -9.9% | -9.7% | -8.3% | -5.7% | — |
| EPS Growth | 34.8% | 34.8% | 214.3% | -73.2% | — | -7.9% | 0.0% | -35.2% | 120.2% | 17.1% | 35.7% | 21.7% | 140.4% | 0.0% | -936.4% | 45.0% | -131.3% | — |
| Dividend Yield | 2.7% | 2.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.5%
EPS terminal req.
$1.81
Spread vs growth
34.3%
5Y implied EPS CAGR
4.2%
EPS terminal req.
$2.19
Spread vs growth
30.6%
10Y implied EPS CAGR
7.1%
EPS terminal req.
$3.53
Spread vs growth
27.8%
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
+43.5%
Start / end P/E
11.0x → 11.5x
EPS bridge
1.32 → 1.78
Residual
+1.5%
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.