Financial Services / Banks - RegionalNYSE American
$85.15
-1.00 (-1.16%)
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 49.0/100
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
44/100
C
Piotroski
5/9
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
$1.2B
P/E
7.3x
↓EV/EBITDA
N/A
•ROE
17.2%
↑Gross Margin
N/A
•Debt/Equity
0.60
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+3.5%
FCF CAGR
+3.4%
FCF margin
12.6%
FCF / Net income
0.20x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $254.1M · net income $161.1M · FCF $31.9M
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 | $254.1M | $254.1M | $295.2M | $215.5M | $303.7M | $72.6M | $65.7M | $67.6M | $66.0M | $63.1M | $202.7M | $188.7M | $184.5M | $185.1M | $158.4M | $137.1M | $144.1M | $146.8M |
| Net Income | $161.1M | $161.1M | $70.8M | $9.5M | $85.0M | $89.3M | $77.6M | $81.7M | $82.3M | $52.5M | $59.3M | $58.4M | $52.0M | $50.9M | $31.3M | $35.4M | $33.8M | $31.8M |
| EPS | 11.24 | 11.24 | 4.97 | 0.66 | 5.89 | 6.05 | 5.20 | 5.37 | 5.35 | 3.43 | 3.91 | 3.87 | 3.48 | 3.46 | 2.43 | 3.20 | 3.11 | 2.96 |
| Net Margin | 63.4% | 63.4% | 24.0% | 4.4% | 28.0% | 123.0% | 118.0% | 121.0% | 124.8% | 83.2% | 29.3% | 31.0% | 28.2% | 27.5% | 19.8% | 25.8% | 23.5% | 21.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.60 | 0.60 | 1.11 | 0.90 | 0.47 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $31.9M | $31.9M | $88.8M | $82.2M | $95.2M | $116.4M | $96.8M | $95.6M | $89.2M | $50.8M | — | — | — | — | $54.7M | $68.7M | $61.3M | $18.7M |
| Returns | ||||||||||||||||||
| ROE | 17.2% | 17.2% | 9.9% | 1.4% | 13.8% | 12.3% | 10.8% | 12.4% | 13.3% | 9.1% | 10.8% | 11.3% | 10.7% | 11.1% | 7.1% | 11.9% | 12.4% | — |
| Valuation | ||||||||||||||||||
| P/E | 7.28 | 7.28 | 13.59 | 84.62 | 13.13 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.30 | 1.30 | 1.35 | 1.19 | 1.81 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -13.9% | -13.9% | 37.0% | -29.0% | — | 10.4% | -2.7% | 2.4% | 4.5% | -68.9% | 7.4% | 2.3% | -0.3% | 16.9% | 15.5% | -4.8% | -1.9% | — |
| EPS Growth | 126.2% | 126.2% | 653.0% | -88.8% | — | 16.3% | -3.2% | 0.4% | 56.0% | -12.3% | 1.0% | 11.2% | 0.6% | 42.4% | -24.1% | 2.9% | 5.1% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.4%
EPS terminal req.
$7.56
Spread vs growth
138.6%
5Y implied EPS CAGR
-4.0%
EPS terminal req.
$9.14
Spread vs growth
130.2%
10Y implied EPS CAGR
2.7%
EPS terminal req.
$14.72
Spread vs growth
123.4%
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
+41.8%
Start / end P/E
12.4x → 7.6x
EPS bridge
4.97 → 11.24
Residual
-48.8%
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.