Financial Services / Banks - RegionalNasdaqCM
$42.24
-1.15 (-2.65%)
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 42.0/100
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
46/100
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
$229M
P/E
11.4x
↓EV/EBITDA
N/A
•ROE
10.5%
↑Gross Margin
N/A
•Debt/Equity
0.16
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+11.6%
FCF CAGR
+8.1%
FCF margin
36.0%
FCF / Net income
1.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $57.6M · net income $19.3M · FCF $20.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $57.6M | $57.6M | $53.1M | $58.1M | $66.8M | $48.3M | $27.2M | $26.2M | $25.7M | $22.6M | $19.2M | $17.3M | $15.4M | $15.4M |
| Net Income | $19.3M | $19.3M | $17.0M | $19.3M | $23.4M | $10.1M | $8.0M | $6.7M | $8.5M | $6.6M | $5.7M | $3.1M | $1.9M | $6.9M |
| EPS | 3.55 | 3.55 | 3.15 | 3.58 | 4.38 | 2.14 | 2.95 | 2.49 | 3.15 | 2.58 | 2.30 | 1.17 | 0.67 | 2.44 |
| Net Margin | 33.4% | 33.4% | 32.0% | 33.2% | 35.1% | 20.9% | 29.3% | 25.5% | 33.0% | 29.0% | 29.9% | 18.1% | 12.3% | 44.6% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 0.16 | 0.16 | 0.18 | 0.50 | 0.07 | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $20.8M | $20.8M | $14.6M | $12.7M | $22.1M | $11.8M | $9.1M | $9.2M | $10.9M | $8.3M | $4.7M | — | $6.9M | $8.2M |
| Returns | ||||||||||||||
| ROE | 10.5% | 10.5% | 10.6% | 12.6% | 17.6% | 6.2% | 9.7% | 8.8% | 12.0% | 10.1% | 9.7% | 5.5% | 3.1% | 11.9% |
| Valuation | ||||||||||||||
| P/E | 11.45 | 11.45 | 11.69 | 9.83 | 8.21 | — | — | — | — | — | — | — | — | — |
| P/B | 1.24 | 1.24 | 1.24 | 1.24 | 1.44 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 8.6% | 8.6% | -8.6% | -13.1% | — | 77.3% | 3.9% | 2.0% | 13.6% | 17.7% | 11.2% | 12.4% | -0.4% | — |
| EPS Growth | 12.7% | 12.7% | -12.0% | -18.3% | — | -27.5% | 18.5% | -21.0% | 22.1% | 12.4% | 95.9% | 75.7% | -72.7% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.8%
EPS terminal req.
$3.75
Spread vs growth
10.9%
5Y implied EPS CAGR
5.0%
EPS terminal req.
$4.54
Spread vs growth
7.7%
10Y implied EPS CAGR
7.5%
EPS terminal req.
$7.30
Spread vs growth
5.2%
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
+16.4%
Start / end P/E
11.9x → 11.9x
EPS bridge
3.15 → 3.55
Residual
+0.0%
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.