Financial Services / Banks - RegionalNasdaqGS
$39.09
-0.35 (-0.89%)
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
55/100
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
$1.1B
P/E
11.8x
↓EV/EBITDA
N/A
•ROE
9.6%
↑Gross Margin
N/A
•Debt/Equity
0.35
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.0%
FCF CAGR
—
FCF margin
29.5%
FCF / Net income
1.07x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $328.1M · net income $90.8M · FCF $96.9M
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 | $328.1M | $328.1M | $299.2M | $296.8M | $296.2M | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $80.7M | $85.5M | $91.0M | $96.4M |
| Net Income | $90.8M | $90.8M | $75.9M | $71.1M | $78.1M | $91.8M | $46.9M | $65.7M | $50.5M | $44.1M | $19.5M | $27.3M | $22.2M | $21.2M | $20.9M | $18.9M | $15.8M | $10.8M |
| EPS | 3.13 | 3.13 | 2.58 | 2.41 | 2.64 | 3.11 | 1.60 | 2.24 | 1.72 | 1.64 | 0.84 | 1.39 | 1.37 | 1.28 | 1.24 | 1.13 | 0.95 | 0.75 |
| Net Margin | 27.7% | 27.7% | 25.4% | 24.0% | 26.4% | — | — | — | — | — | — | — | — | — | 25.9% | 22.1% | 17.3% | 11.2% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.35 | 0.35 | 0.46 | 0.59 | 0.52 | — | — | 0.22 | 0.23 | 0.26 | 0.25 | 0.00 | — | — | — | 0.02 | 0.02 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $96.9M | $96.9M | $72.0M | $83.0M | $104.2M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 9.6% | 9.6% | 8.6% | 8.5% | 10.1% | 11.9% | 6.8% | 9.7% | 8.1% | 7.3% | 3.9% | 7.5% | 7.8% | 7.6% | 7.3% | 6.9% | 5.9% | 4.0% |
| Valuation | ||||||||||||||||||
| P/E | 11.77 | 11.77 | 11.29 | 8.71 | 9.78 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.20 | 1.20 | 0.97 | 0.74 | 0.98 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 9.6% | 9.6% | 0.8% | 0.2% | — | — | — | — | — | — | — | — | — | -100.0% | -5.6% | -6.1% | -5.6% | — |
| EPS Growth | 21.3% | 21.3% | 7.1% | -8.7% | — | 94.4% | -28.6% | 30.2% | 4.9% | 95.2% | -39.6% | 1.5% | 7.0% | 3.2% | 9.7% | 18.9% | 26.7% | — |
| Dividend Yield | 2.4% | 2.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.5%
EPS terminal req.
$3.47
Spread vs growth
17.8%
5Y implied EPS CAGR
6.0%
EPS terminal req.
$4.20
Spread vs growth
15.3%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$6.76
Spread vs growth
13.3%
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
11.4x → 12.5x
EPS bridge
2.58 → 3.13
Residual
+2.0%
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.