Financial Services / Banks - RegionalNasdaqGS
$55.15
-0.34 (-0.61%)
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
36/100
D
Piotroski
3/9
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
$1.3B
P/E
12.3x
↓EV/EBITDA
N/A
•ROE
12.4%
↑Gross Margin
N/A
•Debt/Equity
0.02
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2008–2025 · 17 años de histórico normalizado
Revenue CAGR
+1.3%
FCF CAGR
+1.6%
FCF margin
46.4%
FCF / Net income
1.03x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $258.1M · net income $116.2M · FCF $119.7M
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 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||
| Revenue | $258.1M | $258.1M | $293.8M | $323.6M | $265.0M | $173.4M | $165.9M | $158.7M | $151.7M | $138.3M | $135.9M | $136.5M | $140.2M | $154.4M | $183.4M | $208.0M | $221.2M | $241.9M | $208.5M |
| Net Income | $116.2M | $116.2M | $138.6M | $161.8M | $122.0M | $86.5M | $80.4M | $80.4M | $71.6M | $50.0M | $58.9M | $58.8M | $60.6M | $67.2M | $81.1M | $87.9M | $94.6M | $125.4M | $59.8M |
| EPS | 4.52 | 4.52 | 5.20 | 6.06 | 4.54 | 3.22 | 2.98 | 2.98 | 2.67 | 1.89 | 2.29 | 2.30 | 2.32 | 2.50 | 2.93 | 3.06 | 3.21 | 4.14 | 2.04 |
| Net Margin | 45.0% | 45.0% | 47.2% | 50.0% | 46.1% | 49.9% | 48.5% | 50.7% | 47.2% | 36.2% | 43.3% | 43.0% | 43.3% | 43.5% | 44.2% | 42.3% | 42.8% | 51.8% | 28.7% |
| Balance Sheet | |||||||||||||||||||
| Debt/Equity | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||||
| Free Cash Flow | $119.7M | $119.7M | $139.8M | $157.0M | $112.9M | $87.4M | $105.5M | $76.7M | $93.5M | $78.0M | $75.8M | $65.9M | $78.5M | $83.6M | $114.6M | $117.1M | $113.5M | $134.8M | $91.2M |
| Returns | |||||||||||||||||||
| ROE | 12.4% | 12.4% | 15.6% | 20.9% | 20.3% | 10.5% | 9.5% | 11.0% | 11.6% | 8.5% | 10.5% | 11.0% | 11.5% | 12.4% | 14.5% | 15.7% | 17.3% | 24.8% | 14.6% |
| Valuation | |||||||||||||||||||
| P/E | 12.28 | 12.28 | 10.01 | 9.07 | 12.85 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.52 | 1.52 | 1.56 | 1.90 | 2.61 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||||
| Revenue Growth | -12.2% | -12.2% | -9.2% | 22.2% | — | 4.6% | 4.5% | 4.6% | 9.7% | 1.8% | -0.4% | -2.6% | -9.2% | -15.8% | -11.8% | -6.0% | -8.6% | 16.1% | — |
| EPS Growth | -13.1% | -13.1% | -14.2% | 33.5% | — | 8.1% | 0.0% | 11.6% | 41.3% | -17.5% | -0.4% | -0.9% | -7.2% | -14.7% | -4.2% | -4.7% | -22.5% | 102.9% | — |
| Dividend Yield | 3.4% | 3.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.7%
EPS terminal req.
$4.89
Spread vs growth
-15.8%
5Y implied EPS CAGR
5.5%
EPS terminal req.
$5.92
Spread vs growth
-18.6%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$9.54
Spread vs growth
-20.8%
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
+18.2%
Start / end P/E
9.2x → 12.2x
EPS bridge
5.20 → 4.52
Residual
-4.2%
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.