Financial Services / Banks - RegionalNasdaqGS
$18.34
-0.17 (-0.92%)
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 22.0/100
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
39/100
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
$331M
P/E
11.1x
↓EV/EBITDA
N/A
•ROE
7.6%
↑Gross Margin
N/A
•Debt/Equity
1.16
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
+4.1%
FCF CAGR
-2.8%
FCF margin
16.6%
FCF / Net income
0.87x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $138.9M · net income $26.4M · FCF $23.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $138.9M | $138.9M | $132.4M | $128.0M | $157.8M | $69.9M | $78.5M | $79.7M | $73.7M | $67.1M | $63.7M | $62.0M | $63.6M | $62.9M | $69.8M | $79.4M |
| Net Income | $26.4M | $26.4M | $18.7M | $9.4M | $19.5M | $70.8M | $81.1M | $35.9M | $30.8M | $26.0M | $25.5M | $16.6M | $12.7M | $14.7M | $34.9M | $-7.5M |
| EPS | 1.48 | 1.48 | 1.01 | 0.46 | 0.89 | 2.96 | 3.30 | 1.37 | 1.11 | 0.93 | 0.93 | 0.56 | 0.38 | 0.43 | 1.02 | -0.22 |
| Net Margin | 19.0% | 19.0% | 14.1% | 7.3% | 12.4% | 101.3% | 103.4% | 45.0% | 41.7% | 38.7% | 40.1% | 26.7% | 20.0% | 23.4% | 50.0% | -9.4% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 1.16 | 1.16 | 1.31 | 1.35 | 1.04 | 1.10 | 1.23 | 1.23 | 1.09 | 0.94 | 0.94 | 1.13 | 0.96 | 2.02 | 2.14 | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $23.0M | $23.0M | $47.0M | $-28.3M | $206.0M | $141.2M | $-94.8M | $-43.3M | $37.5M | $105.5M | $-25.1M | $-16.0M | $-4.2M | $46.9M | $-9.8M | $34.1M |
| Returns | ||||||||||||||||
| ROE | 7.6% | 7.6% | 5.5% | 2.7% | 5.3% | 16.4% | 19.6% | 9.1% | 7.7% | 6.3% | 6.2% | 4.2% | 2.8% | 6.9% | 17.2% | -4.5% |
| Valuation | ||||||||||||||||
| P/E | 11.12 | 11.12 | 12.92 | 30.09 | 19.40 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.94 | 0.94 | 0.72 | 0.81 | 1.03 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 4.9% | 4.9% | 3.4% | -18.9% | — | -11.0% | -1.6% | 8.2% | 9.8% | 5.3% | 2.9% | -2.6% | 1.2% | -10.0% | -12.0% | — |
| EPS Growth | 46.5% | 46.5% | 119.6% | -48.3% | — | -10.3% | 140.9% | 23.4% | 19.4% | 0.0% | 66.1% | 47.4% | -11.6% | -57.8% | 563.6% | — |
| Dividend Yield | 3.7% | 3.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.2%
EPS terminal req.
$1.63
Spread vs growth
43.3%
5Y implied EPS CAGR
5.9%
EPS terminal req.
$1.97
Spread vs growth
40.7%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$3.17
Spread vs growth
38.6%
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
+45.7%
Start / end P/E
12.8x → 12.4x
EPS bridge
1.01 → 1.48
Residual
-1.5%
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.