Financial Services / Banks - RegionalNasdaqGM
$40.16
-0.42 (-1.03%)
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 44.0/100
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
56/100
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
$314M
P/E
10.3x
↓EV/EBITDA
N/A
•ROE
11.1%
↑Gross Margin
N/A
•Debt/Equity
0.09
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.5%
FCF CAGR
+4.6%
FCF margin
36.2%
FCF / Net income
0.97x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $78.4M · net income $29.2M · FCF $28.4M
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 | $78.4M | $78.4M | $70.9M | $75.6M | $64.7M | $55.0M | $55.6M | $55.7M | $41.8M | $38.3M | $34.9M | $31.2M | $29.9M | $30.2M | $31.6M | $34.0M | $36.6M | $38.8M |
| Net Income | $29.2M | $29.2M | $24.3M | $27.1M | $23.6M | $27.6M | $24.3M | $24.0M | $16.7M | $14.2M | $10.2M | $8.3M | $5.8M | $4.8M | $4.6M | $1.1M | $-2.3M | $-242000.00 |
| EPS | 3.67 | 3.67 | 3.01 | 3.29 | 2.82 | 3.27 | 2.88 | 2.84 | 2.22 | 1.92 | 1.43 | 1.17 | 0.80 | 0.58 | 0.52 | 0.00 | -0.50 | -0.15 |
| Net Margin | 37.2% | 37.2% | 34.3% | 35.9% | 36.5% | 50.2% | 43.7% | 43.1% | 40.0% | 37.0% | 29.1% | 26.6% | 19.6% | 15.7% | 14.5% | 3.2% | -6.3% | -0.6% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.09 | 0.09 | 0.09 | 0.16 | 0.01 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $28.4M | $28.4M | $21.7M | $29.9M | $25.6M | $28.7M | $31.9M | $16.0M | $19.3M | $10.3M | $11.2M | $6.9M | $7.4M | $10.3M | $14.0M | $9.7M | $6.5M | $13.8M |
| Returns | ||||||||||||||||||
| ROE | 11.1% | 11.1% | 9.9% | 11.6% | 10.8% | 13.3% | 12.9% | 14.0% | 13.4% | 12.8% | 10.5% | 9.3% | 7.1% | 5.3% | 5.1% | 1.3% | -2.7% | — |
| Valuation | ||||||||||||||||||
| P/E | 10.30 | 10.30 | 9.58 | 8.42 | 9.97 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.22 | 1.22 | 0.95 | 0.98 | 1.08 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 10.6% | 10.6% | -6.3% | 17.0% | — | -1.1% | -0.3% | 33.2% | 9.1% | 9.9% | 11.9% | 4.4% | -1.3% | -4.3% | -7.0% | -7.2% | -5.7% | — |
| EPS Growth | 21.9% | 21.9% | -8.5% | 16.7% | — | 13.5% | 1.4% | 27.9% | 15.6% | 34.3% | 22.2% | 46.2% | 37.9% | 11.5% | — | 100.0% | -233.3% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.0%
EPS terminal req.
$3.56
Spread vs growth
22.9%
5Y implied EPS CAGR
3.3%
EPS terminal req.
$4.31
Spread vs growth
18.7%
10Y implied EPS CAGR
6.6%
EPS terminal req.
$6.94
Spread vs growth
15.3%
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
+34.8%
Start / end P/E
10.1x → 10.9x
EPS bridge
3.01 → 3.67
Residual
+1.8%
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.