Financial Services / Banks - RegionalSwiss
$184.00
+0.00 (+0.00%)
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 38.0/100
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
26/100
D
Piotroski
6/9
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
$736M
P/E
22.7x
↑EV/EBITDA
N/A
•ROE
9.2%
↑Gross Margin
N/A
•Debt/Equity
5.82
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+5.4%
FCF CAGR
-54.0%
FCF margin
36.4%
FCF / Net income
1.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $445.9M · net income $162.3M · FCF $162.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $445.9M | $445.9M | $431.8M | $438.5M | $380.5M |
| Net Income | $162.3M | $162.3M | $158.0M | $158.9M | $147.8M |
| EPS | 8.11 | 8.11 | 7.90 | 7.95 | 7.39 |
| Net Margin | 36.4% | 36.4% | 36.6% | 36.2% | 38.9% |
| Balance Sheet | |||||
| Debt/Equity | 5.82 | 5.82 | 5.74 | 5.64 | 5.54 |
| Cash Flow | |||||
| Free Cash Flow | $162.4M | $162.4M | $1.21B | $-1.10B | $1.67B |
| Returns | |||||
| ROE | 9.2% | 9.2% | 9.4% | 9.9% | 9.7% |
| Valuation | |||||
| P/E | 22.69 | 22.69 | 16.46 | 14.91 | 15.70 |
| P/B | 0.42 | 0.42 | 0.31 | 0.30 | 0.31 |
| Growth & Yield | |||||
| Revenue Growth | 3.3% | 3.3% | -1.5% | 15.3% | — |
| EPS Growth | 2.7% | 2.7% | -0.6% | 7.6% | — |
| Dividend Yield | 2.0% | 2.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
26.3%
EPS terminal req.
$16.33
Spread vs growth
-23.6%
5Y implied EPS CAGR
19.5%
EPS terminal req.
$19.76
Spread vs growth
-16.8%
10Y implied EPS CAGR
14.6%
EPS terminal req.
$31.82
Spread vs growth
-12.0%
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
+21.1%
Start / end P/E
19.6x → 22.7x
EPS bridge
7.90 → 8.11
Residual
+0.4%
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.