Financial Services / Banks - RegionalNasdaqGS
$23.59
-0.35 (-1.46%)
Book/ROE base 3Y
$22.76
-1.2% CAGR · P/B 1.2x
Book/ROE base 5Y
$25.61
+1.7% base · +4.1% expected
Precio de entrada
$11.94
MOS 18% · confianza 90%
Book/ROE escenarios
audited · book/share $15.64 · quality 49.0/100
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
7/9
balance/quality
Valuation
31/100
-19.1% upside
5Y CAGR
+4.1%
66/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$402M
P/E
12.4x
↓EV/EBITDA
N/A
•ROE
12.2%
↑Gross Margin
N/A
•Debt/Equity
1.42
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
+6.3%
FCF margin
45.7%
FCF / Net income
1.33x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $94.5M · net income $32.6M · FCF $43.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC | 2016SEC | 2015SEC | 2014SEC | 2013SEC | 2012SEC | 2011SEC | 2010SEC | 2009SEC |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $94.5M | $94.5M | $79.1M | $79.1M | $101.9M | $107.3M | $100.2M | $98.7M | $84.8M | $73.0M | $65.0M | $60.1M | $55.3M | $52.7M | $50.7M | $53.3M | $61.1M | — |
| Net Income | $32.6M | $32.6M | $24.1M | $24.1M | $46.4M | $49.6M | $32.7M | $28.7M | $28.5M | $23.1M | $23.0M | $21.7M | $20.0M | $16.9M | $16.0M | $15.3M | $13.4M | $-14.6M |
| EPS | 1.92 | 1.92 | 1.42 | 1.44 | 2.76 | 2.95 | 1.98 | 1.74 | 1.74 | 1.41 | 1.42 | 1.35 | 1.25 | 1.02 | 0.92 | 0.74 | 0.64 | — |
| Net Margin | 34.5% | 34.5% | 30.4% | 30.5% | 45.5% | 46.2% | 32.6% | 29.1% | 33.6% | 31.6% | 35.4% | 36.1% | 36.2% | 32.0% | 31.6% | 28.6% | 21.9% | — |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 1.42 | 1.42 | 1.72 | 1.97 | 1.35 | 0.20 | 0.10 | 0.11 | 0.14 | 0.13 | 0.03 | 0.06 | 0.09 | 0.13 | 0.00 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.2M | $43.2M | $13.7M | $-11.1M | $38.1M | $49.1M | $40.0M | $35.9M | $34.5M | $28.3M | — | — | — | — | $23.3M | $25.0M | $24.7M | $16.3M |
| Returns | ||||||||||||||||||
| ROE | 12.2% | 12.2% | 10.6% | 10.7% | 22.0% | 19.1% | 14.6% | 13.5% | 14.9% | 13.0% | 13.9% | 14.3% | 14.3% | 13.7% | 11.9% | 12.4% | 9.2% | -11.0% |
| Valuation | ||||||||||||||||||
| P/E | 12.44 | 12.44 | 16.82 | 16.59 | 8.66 | 8.10 | 12.07 | 13.73 | 13.73 | 16.94 | 16.82 | 17.70 | 19.11 | 23.42 | 25.97 | 32.28 | 37.33 | — |
| P/B | 1.53 | 1.53 | 1.77 | 1.78 | 1.90 | 1.54 | 1.76 | 1.86 | 2.05 | 2.19 | 2.34 | 2.52 | 2.73 | 3.21 | 3.10 | 3.37 | 2.86 | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 19.4% | 19.4% | 0.0% | -22.4% | -5.0% | 7.0% | 1.6% | 16.4% | 16.1% | 12.4% | 8.1% | 8.8% | 4.9% | 4.1% | -5.0% | -12.8% | — | — |
| EPS Growth | 35.2% | 35.2% | -1.4% | -47.8% | -6.4% | 49.0% | 13.8% | 0.0% | 23.4% | -0.7% | 5.2% | 8.0% | 22.5% | 10.9% | 24.3% | 15.6% | — | — |
| Dividend Yield | 4.2% | 4.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.9%
EPS terminal req.
$2.09
Spread vs growth
32.3%
5Y implied EPS CAGR
5.7%
EPS terminal req.
$2.53
Spread vs growth
29.5%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$4.08
Spread vs growth
27.4%
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
+26.0%
Start / end P/E
13.6x → 12.3x
EPS bridge
1.42 → 1.92
Residual
-3.5%
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.