Financial Services / Banks - RegionalNasdaqGM
$23.29
+0.19 (+0.82%)
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 62.0/100
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
24/100
D
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
$107M
P/E
9.3x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
3.74
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+5.8%
FCF CAGR
+2.9%
FCF margin
30.0%
FCF / Net income
1.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $53.2M · net income $11.1M · FCF $16.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $53.2M | $53.2M | $46.8M | $46.8M | $47.9M | $39.3M | $36.8M | $35.9M | $32.2M | $29.0M | $26.8M | $25.1M | $24.9M | $24.5M | $25.0M | $23.7M | $22.9M |
| Net Income | $11.1M | $11.1M | $8.8M | $11.3M | $12.6M | $13.2M | $12.8M | $10.6M | $7.1M | $8.4M | $8.5M | $7.9M | $7.7M | $7.1M | $6.8M | $5.2M | $5.6M |
| EPS | — | — | 1.94 | 2.50 | 2.81 | 2.92 | 2.85 | 2.38 | 1.58 | 1.89 | 1.91 | 1.77 | 1.73 | 1.60 | 1.54 | 1.17 | 1.25 |
| Net Margin | 20.8% | 20.8% | 18.7% | 24.0% | 26.3% | 33.5% | 34.8% | 29.7% | 22.0% | 29.1% | 31.7% | 31.3% | 31.0% | 29.1% | 27.3% | 22.0% | 24.4% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 3.74 | 3.74 | 4.15 | 1.25 | 1.20 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $16.0M | $16.0M | $11.1M | $7.2M | $28.4M | $25.7M | $-8.1M | $5.2M | $13.7M | $7.9M | $5.7M | $10.8M | $34000.00 | $16.5M | $1.5M | $5.9M | $10.4M |
| Returns | |||||||||||||||||
| ROE | 13.7% | 13.7% | 13.2% | 17.1% | 22.8% | 15.6% | 15.8% | 14.8% | 11.0% | 14.4% | 15.1% | 14.7% | 15.0% | 14.3% | 15.2% | 12.9% | 13.4% |
| Valuation | |||||||||||||||||
| P/E | 9.28 | 9.28 | 14.81 | 12.56 | 8.46 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.33 | 1.33 | 1.95 | 2.15 | 1.93 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 13.7% | 13.7% | -0.0% | -2.2% | — | 6.9% | 2.5% | 11.5% | 10.9% | 8.1% | 6.7% | 1.2% | 1.5% | -2.2% | 5.7% | 3.3% | — |
| EPS Growth | — | — | -22.4% | -11.0% | — | 2.5% | 19.7% | 50.6% | -16.4% | -1.0% | 7.9% | 2.3% | 8.1% | 3.9% | 31.6% | -6.4% | — |
| Dividend Yield | 6.2% | 6.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-14.8%
Start / end P/E
n/dx → n/dx
EPS bridge
1.94 → n/d
Residual
-21.0%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.