Financial Services / Banks - RegionalNYSE
$37.97
-0.29 (-0.76%)
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
57/100
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
$630M
P/E
9.8x
↓EV/EBITDA
N/A
•ROE
12.5%
↑Gross Margin
N/A
•Debt/Equity
0.26
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2019–2025 · 6 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+107.1%
FCF margin
23.2%
FCF / Net income
0.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $207.7M · net income $66.3M · FCF $48.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | $207.7M | $207.7M | $170.5M | $147.1M | $122.7M | — | — | — |
| Net Income | $66.3M | $66.3M | $47.7M | $33.4M | $18.7M | $11.4M | $12.1M | $2.4M |
| EPS | 3.79 | 3.79 | 2.78 | 1.98 | 1.25 | 1.40 | 1.91 | 0.60 |
| Net Margin | 31.9% | 31.9% | 28.0% | 22.7% | 15.2% | — | — | — |
| Balance Sheet | ||||||||
| Debt/Equity | 0.26 | 0.26 | 0.29 | 0.34 | 0.34 | — | — | — |
| Cash Flow | ||||||||
| Free Cash Flow | $48.2M | $48.2M | $33.4M | $35.6M | $9.6M | $-1.0M | $-5.0M | $611000.00 |
| Returns | ||||||||
| ROE | 12.5% | 12.5% | 10.3% | 8.1% | 4.9% | 3.8% | 10.1% | 4.2% |
| Valuation | ||||||||
| P/E | 9.76 | 9.76 | 11.90 | 9.79 | 14.94 | — | — | — |
| P/B | 1.25 | 1.25 | 1.23 | 0.79 | 0.67 | — | — | — |
| Growth & Yield | ||||||||
| Revenue Growth | 21.9% | 21.9% | 15.9% | 19.9% | — | — | — | — |
| EPS Growth | 36.3% | 36.3% | 40.4% | 58.4% | — | -26.7% | 218.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.8%
EPS terminal req.
$3.37
Spread vs growth
40.2%
5Y implied EPS CAGR
1.5%
EPS terminal req.
$4.08
Spread vs growth
34.9%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$6.57
Spread vs growth
30.7%
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
+23.8%
Start / end P/E
11.0x → 10.0x
EPS bridge
2.78 → 3.79
Residual
-3.3%
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.