Financial Services / Banks - RegionalNasdaqGS
$49.71
-1.09 (-2.15%)
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 40.0/100
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
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
$1.6B
P/E
12.6x
↑EV/EBITDA
N/A
•ROE
9.2%
↑Gross Margin
N/A
•Debt/Equity
0.06
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.5%
FCF CAGR
+11.2%
FCF margin
31.1%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $411.3M · net income $121.6M · FCF $127.9M
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 | $411.3M | $411.3M | $388.8M | $411.1M | $402.5M | $277.0M | $267.2M | $272.4M | $228.2M | $181.4M | $173.7M | $161.4M | $121.1M | $106.6M | $108.7M | $103.0M | $104.6M | $112.3M |
| Net Income | $121.6M | $121.6M | $114.9M | $117.4M | $125.4M | $117.7M | $64.8M | $92.1M | $68.3M | $40.6M | $44.8M | $43.8M | $26.1M | $27.4M | $19.0M | $18.6M | $6.0M | $10.0M |
| EPS | 3.70 | 3.70 | 3.46 | 3.52 | 3.83 | 3.94 | 2.16 | 3.00 | 2.54 | 1.74 | 1.94 | 1.91 | 1.46 | 1.69 | 1.18 | 1.16 | 0.37 | 0.62 |
| Net Margin | 29.6% | 29.6% | 29.5% | 28.6% | 31.2% | 42.5% | 24.3% | 33.8% | 29.9% | 22.4% | 25.8% | 27.1% | 21.6% | 25.7% | 17.5% | 18.1% | 5.7% | 8.9% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.06 | 0.06 | 0.18 | 0.66 | 0.38 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $127.9M | $127.9M | $105.2M | $134.0M | $159.3M | $129.0M | $112.0M | $98.5M | $83.7M | $40.2M | $37.3M | — | — | $32.8M | $41.3M | $28.3M | $48.0M | $23.3M |
| Returns | ||||||||||||||||||
| ROE | 9.2% | 9.2% | 9.4% | 10.1% | 12.0% | 11.8% | 7.0% | 10.3% | 8.3% | 8.0% | 9.4% | 9.7% | 6.2% | 10.9% | 8.3% | 8.6% | 3.0% | 5.0% |
| Valuation | ||||||||||||||||||
| P/E | 12.62 | 12.62 | 12.50 | 11.59 | 13.01 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.23 | 1.23 | 1.18 | 1.17 | 1.59 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 5.8% | 5.8% | -5.4% | 2.1% | — | 3.7% | -1.9% | 19.4% | 25.8% | 4.4% | 7.6% | 33.3% | 13.7% | -2.0% | 5.6% | -1.5% | -6.9% | — |
| EPS Growth | 6.9% | 6.9% | -1.7% | -8.1% | — | 82.4% | -28.0% | 18.1% | 46.0% | -10.3% | 1.6% | 30.8% | -13.6% | 43.2% | 1.7% | 213.5% | -40.3% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.0%
EPS terminal req.
$4.41
Spread vs growth
0.9%
5Y implied EPS CAGR
7.6%
EPS terminal req.
$5.34
Spread vs growth
-0.7%
10Y implied EPS CAGR
8.8%
EPS terminal req.
$8.60
Spread vs growth
-1.9%
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
+27.5%
Start / end P/E
11.5x → 13.4x
EPS bridge
3.46 → 3.70
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.