Financial Services / Banks - RegionalNasdaqCM
$18.70
-0.09 (-0.48%)
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 6.0/100
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
43/100
C
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$139M
P/E
32.2x
↑EV/EBITDA
N/A
•ROE
2.7%
↓Gross Margin
N/A
•Debt/Equity
0.17
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+36.0%
FCF CAGR
+81.5%
FCF margin
12.7%
FCF / Net income
0.82x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $33.3M · net income $5.1M · FCF $4.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $33.3M | $33.3M | $26.9M | $15.0M | $13.2M |
| Net Income | $5.1M | $5.1M | $-10.9M | $1.6M | $1.9M |
| EPS | 0.44 | 0.44 | -1.59 | 0.16 | 0.20 |
| Net Margin | 15.4% | 15.4% | -40.4% | 10.4% | 14.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.17 | 0.17 | 0.01 | 0.16 | — |
| Cash Flow | |||||
| Free Cash Flow | $4.2M | $4.2M | $-2.8M | $1.8M | $708000.00 |
| Returns | |||||
| ROE | 2.7% | 2.7% | -5.4% | 1.3% | 1.6% |
| Valuation | |||||
| P/E | 32.24 | 32.24 | — | — | — |
| P/B | 0.79 | 0.79 | 0.31 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 23.9% | 23.9% | 79.7% | 12.9% | — |
| EPS Growth | 127.7% | 127.7% | -1073.4% | -17.0% | — |
| Dividend Yield | 1.1% | 1.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
55.7%
EPS terminal req.
$1.66
Spread vs growth
72.0%
5Y implied EPS CAGR
35.5%
EPS terminal req.
$2.01
Spread vs growth
92.2%
10Y implied EPS CAGR
22.1%
EPS terminal req.
$3.23
Spread vs growth
105.6%
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
+47.0%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.59 → 0.44
Residual
+46.0%
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.