Financial Services / Banks - RegionalNasdaqGS
$40.18
-0.41 (-1.01%)
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 58.0/100
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
42/100
C
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
$769M
P/E
11.3x
↓EV/EBITDA
N/A
•ROE
11.8%
↑Gross Margin
N/A
•Debt/Equity
0.12
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+8.3%
FCF CAGR
+17.1%
FCF margin
34.9%
FCF / Net income
1.23x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $205.8M · net income $58.5M · FCF $71.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $205.8M | $205.8M | $189.3M | $176.2M | $209.2M | $135.0M | $138.2M | $132.9M | $118.1M |
| Net Income | $58.5M | $58.5M | $49.7M | $62.7M | $58.2M | $58.6M | $45.4M | $29.2M | $29.3M |
| EPS | 3.59 | 3.59 | 3.02 | 3.82 | 3.42 | 3.17 | 2.47 | 1.71 | 1.98 |
| Net Margin | 28.4% | 28.4% | 26.3% | 35.6% | 27.8% | 43.4% | 32.8% | 22.0% | 24.8% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.12 | 0.12 | 0.25 | 0.27 | 0.34 | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $71.8M | $71.8M | $56.0M | $53.9M | $119.1M | $93.4M | $2.3M | $26.5M | $23.8M |
| Returns | |||||||||
| ROE | 11.8% | 11.8% | 11.3% | 15.4% | 16.3% | 14.4% | 12.3% | 9.5% | 18.9% |
| Valuation | |||||||||
| P/E | 11.25 | 11.25 | 11.42 | 7.50 | 8.35 | — | — | — | — |
| P/B | 1.33 | 1.33 | 1.29 | 1.16 | 1.36 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 8.7% | 8.7% | 7.4% | -15.8% | — | -2.3% | 4.0% | 12.6% | — |
| EPS Growth | 18.8% | 18.8% | -20.9% | 11.7% | — | 28.3% | 44.4% | -13.6% | — |
| Dividend Yield | 1.7% | 1.7% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-0.2%
EPS terminal req.
$3.57
Spread vs growth
19.0%
5Y implied EPS CAGR
3.8%
EPS terminal req.
$4.31
Spread vs growth
15.0%
10Y implied EPS CAGR
6.8%
EPS terminal req.
$6.95
Spread vs growth
11.9%
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
+13.4%
Start / end P/E
11.9x → 11.2x
EPS bridge
3.02 → 3.59
Residual
-1.1%
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.