Financial Services / Banks - RegionalNasdaqGS
$12.97
-0.30 (-2.26%)
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 25.0/100
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
43/100
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
$261M
P/E
14.7x
↑EV/EBITDA
N/A
•ROE
6.2%
↓Gross Margin
N/A
•Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+2.9%
FCF CAGR
+4.1%
FCF margin
20.7%
FCF / Net income
1.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $82.6M · net income $15.3M · FCF $17.1M
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 | $82.6M | $82.6M | $72.7M | $80.0M | $89.8M | $79.8M | $82.9M | $82.1M | $79.0M | $74.0M | $48.6M | $42.5M | $41.0M | $41.0M | $43.1M | $45.0M | $46.1M | $52.5M |
| Net Income | $15.3M | $15.3M | $11.7M | $15.1M | $25.9M | $23.7M | $11.2M | $13.3M | $16.4M | $12.3M | $4.8M | $5.7M | $6.2M | $6.8M | $6.3M | $5.9M | $3.0M | $5.5M |
| EPS | 0.75 | 0.75 | 0.56 | 0.70 | 1.18 | 1.02 | 0.45 | 0.51 | 0.57 | 0.41 | 0.24 | 0.33 | 0.34 | 0.34 | 0.26 | 0.22 | 0.11 | 0.18 |
| Net Margin | 18.5% | 18.5% | 16.0% | 18.8% | 28.8% | 29.7% | 13.5% | 16.3% | 20.8% | 16.6% | 9.9% | 13.5% | 15.0% | 16.5% | 14.5% | 13.1% | 6.5% | 10.4% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.43 | 0.43 | 0.52 | 0.66 | 0.27 | — | 0.26 | 0.89 | 0.88 | 0.67 | 0.52 | 1.10 | 1.63 | 1.61 | 1.47 | 1.13 | 1.08 | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $17.1M | $17.1M | $11.0M | $11.9M | $35.6M | $25.3M | $21.5M | $14.1M | $21.3M | $16.6M | $-557000.00 | $8.9M | — | $13.2M | $10.2M | $14.3M | $17.7M | $9.0M |
| Returns | ||||||||||||||||||
| ROE | 6.2% | 6.2% | 4.9% | 6.3% | 11.3% | 10.6% | 4.9% | 5.8% | 6.9% | 5.0% | 2.0% | 4.1% | 4.3% | 4.4% | 3.3% | 2.7% | 1.4% | 2.2% |
| Valuation | ||||||||||||||||||
| P/E | 14.74 | 14.74 | 16.18 | 13.00 | 8.09 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.06 | 1.06 | 0.81 | 0.83 | 0.92 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 13.6% | 13.6% | -9.0% | -10.9% | — | -3.7% | 0.9% | 4.0% | 6.7% | 52.3% | 14.4% | 3.6% | -0.1% | -4.8% | -4.2% | -2.5% | -12.2% | — |
| EPS Growth | 33.9% | 33.9% | -20.0% | -40.7% | — | 126.7% | -11.8% | -10.5% | 39.0% | 70.8% | -27.3% | -2.9% | 0.0% | 30.8% | 18.2% | 100.0% | -38.9% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
15.3%
EPS terminal req.
$1.15
Spread vs growth
18.6%
5Y implied EPS CAGR
13.2%
EPS terminal req.
$1.39
Spread vs growth
20.8%
10Y implied EPS CAGR
11.6%
EPS terminal req.
$2.24
Spread vs growth
22.4%
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
+39.5%
Start / end P/E
16.9x → 17.3x
EPS bridge
0.56 → 0.75
Residual
+0.9%
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.