Financial Services / Banks - RegionalNYSE
$40.85
-0.85 (-2.04%)
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
49/100
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
$698M
P/E
13.1x
↑EV/EBITDA
N/A
•ROE
9.1%
↑Gross Margin
N/A
•Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+15.7%
FCF margin
30.2%
FCF / Net income
1.18x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $196.5M · net income $50.3M · FCF $59.3M
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 | $196.5M | $196.5M | $171.5M | $152.4M | $165.2M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Income | $50.3M | $50.3M | $36.1M | $28.6M | $43.0M | $34.8M | $24.3M | $26.5M | $18.1M | $5.0M | $5.8M | $1.5M | $1.8M | $1.7M | $1.4M | $1.0M | $-4.7M | $-8.2M |
| EPS | 2.98 | 2.98 | 2.14 | 1.69 | 2.55 | 2.22 | 1.62 | 1.89 | 1.45 | 0.55 | 0.78 | 0.32 | 0.52 | 0.08 | 0.08 | 0.20 | -2.92 | -5.04 |
| Net Margin | 25.6% | 25.6% | 21.1% | 18.8% | 26.0% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.18 | 0.18 | 0.09 | 0.11 | 0.18 | — | 0.21 | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $59.3M | $59.3M | $46.3M | $33.4M | $44.3M | $43.8M | $23.6M | $23.6M | $17.0M | $-1.6M | — | — | — | — | $4.7M | $2.6M | $9.3M | $5.7M |
| Returns | ||||||||||||||||||
| ROE | 9.1% | 9.1% | 7.4% | 6.2% | 9.9% | 8.1% | 6.8% | 8.5% | 6.4% | 2.4% | 5.5% | 1.5% | 3.3% | 3.2% | 3.4% | 2.9% | -18.2% | -29.4% |
| Valuation | ||||||||||||||||||
| P/E | 13.09 | 13.09 | 14.60 | 13.98 | 10.75 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.25 | 1.25 | 1.07 | 0.87 | 1.07 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 14.6% | 14.6% | 12.5% | -7.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EPS Growth | 39.3% | 39.3% | 26.6% | -33.7% | — | 37.0% | -14.3% | 30.3% | 163.6% | -29.5% | 143.8% | -38.5% | 550.0% | 0.0% | -60.0% | 106.8% | 42.1% | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.7%
EPS terminal req.
$3.62
Spread vs growth
32.5%
5Y implied EPS CAGR
8.0%
EPS terminal req.
$4.39
Spread vs growth
31.2%
10Y implied EPS CAGR
9.0%
EPS terminal req.
$7.06
Spread vs growth
30.2%
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
+29.3%
Start / end P/E
14.9x → 13.7x
EPS bridge
2.14 → 2.98
Residual
-3.0%
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.