Atrás
Rango del Día
$26.43
$26.88
Rango de 52 Semanas
$19.46
$29.88
Volumen
40,541
Promedio 50D / 200D
$27.40
/
$25.65
Cierre Anterior
$26.62
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 10.9 | 10.3 |
| P/B | 1.4 | 1.1 |
| ROE % | 13.3 | 11.6 |
| Net Margin % | 26.3 | 16.8 |
| Rev Growth 5Y % | 15.6 | 11.6 |
| D/E | 0.1 | 0.5 |
Precio Objetivo de Analistas
Hold
$28.17
+5.1%
Low: $27.00
High: $30.00
P/E Futuro
9.3
EPS Futuro
$2.87
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
310 M
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2027 |
$3.06
$3.03 – $3.08
|
340 M | 4 |
| FY2026 |
$2.87
$2.82 – $2.91
|
310 M | 4 |
Insider Trading Activity
Buy ratio (90d)
0.0%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 16, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
sell | 5,000 | $26.60 | $133,000 |
| Mar 1, 2026 |
Ashworth James T
Director
|
grant | 288,951 | — | — |
| Mar 1, 2026 |
Ruyle Nancy L
Director
|
grant | 20,868 | — | — |
| Feb 28, 2026 |
ZURKAMER ANDREA E
EVP & Chief Risk Officer
|
grant | 2,336 | — | — |
| Feb 28, 2026 |
ZURKAMER ANDREA E
EVP & Chief Risk Officer
|
other | 790 | $26.96 | $21,298 |
| Feb 28, 2026 |
Baker Roger A
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
LANIER DIANE H
EVP & Chief Retail Officer
|
grant | 2,323 | — | — |
| Feb 28, 2026 |
CARTER JAMES LANCE
President and CEO
|
grant | 11,504 | — | — |
| Feb 28, 2026 |
CARTER JAMES LANCE
President and CEO
|
other | 3,475 | $26.96 | $93,686 |
| Feb 28, 2026 |
BURWELL ERIC E
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
DRAKE FRED L
Executive Chairman
|
grant | 10,426 | — | — |
| Feb 28, 2026 |
DRAKE FRED L
Executive Chairman
|
other | 3,788 | $26.96 | $102,124 |
| Feb 28, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
grant | 4,891 | — | — |
| Feb 28, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
other | 1,764 | $26.96 | $47,557 |
| Feb 28, 2026 |
PFEIFFER GERALD E
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
SCHEIRER MARK W
EVP & Chief Credit Officer
|
grant | 3,168 | — | — |
| Feb 28, 2026 |
SCHEIRER MARK W
EVP & Chief Credit Officer
|
other | 1,057 | $26.96 | $28,497 |
| Feb 28, 2026 |
Chapman Peter Robert
EVP & CFO
|
grant | 6,818 | — | — |
| Feb 28, 2026 |
Chapman Peter Robert
EVP & CFO
|
other | 6,095 | $26.96 | $164,321 |
| Feb 28, 2026 |
DRAKE ALLEN C
Director
|
grant | 600 | — | — |
Puntos Clave
Revenue grew 15.60% annually over 5 years — strong growth
ROE of 13.28% — decent returns on equity
Net margin of 26.25% shows strong profitability
Debt/Equity of 0.11 — conservative balance sheet
Generating 73.02M in free cash flow
P/E of 10.94 — trading at a low valuation
Crecimiento
Revenue Growth (5Y)
15.60%
Revenue (1Y)2.84%
Earnings (1Y)7.28%
FCF Growth (3Y)7.92%
Calidad
Return on Equity
13.28%
ROIC11.51%
Net Margin26.25%
Op. Margin35.63%
Seguridad
Debt / Equity
0.11
Current Ratio0.28
Interest Coverage1.84
Valoración
P/E Ratio
10.94
P/B Ratio1.37
EV/EBITDA8.45
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2.84% | Revenue Growth (3Y) | 5.48% |
| Earnings Growth (1Y) | 7.28% | Earnings Growth (3Y) | 8.15% |
| Revenue Growth (5Y) | 15.60% | Earnings Growth (5Y) | 8.16% |
| Profitability | |||
| Revenue (TTM) | 293.33M | Net Income (TTM) | 77.01M |
| ROE | 13.28% | ROA | 1.52% |
| Gross Margin | 80.03% | Operating Margin | 35.63% |
| Net Margin | 26.25% | Free Cash Flow (TTM) | 73.02M |
| ROIC | 11.51% | FCF Growth (3Y) | 7.92% |
| Safety | |||
| Debt / Equity | 0.11 | Current Ratio | 0.28 |
| Interest Coverage | 1.84 | Dividend Yield | 0.03% |
| Valuation | |||
| P/E Ratio | 10.94 | P/B Ratio | 1.37 |
| P/S Ratio | 2.87 | PEG Ratio | 1.41 |
| EV/EBITDA | 8.45 | Dividend Yield | 0.03% |
| Market Cap | 842.37M | Enterprise Value | 883.16M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 293.33M | 285.22M | 263.64M | 186.72M | 164.23M |
| Net Income | 77.01M | 71.78M | 65.84M | 56.46M | 56.27M |
| EPS (Diluted) | 2.44 | 2.26 | 2.07 | 2.09 | 2.02 |
| Gross Profit | 234.74M | 219.33M | 218.14M | 180.25M | 166.49M |
| Operating Income | 104.51M | 97.38M | 88.58M | 76.19M | 76.56M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5.07B | 5.03B | 5.07B | 4.29B | 4.31B |
| Total Liabilities | 4.46B | 4.49B | 4.58B | 3.91B | 3.90B |
| Shareholders' Equity | 615.50M | 544.61M | 489.50M | 373.63M | 411.88M |
| Total Debt | 65.21M | 134.60M | 147.33M | 280.26M | 138.29M |
| Cash & Equivalents | 24.42M | 137.69M | 141.76M | 114.16M | 409.76M |
| Current Assets | 861.30M | 214.75M | 925.76M | 977.19M | 1.37B |
| Current Liabilities | 3.03B | 4.35B | 4.44B | 3.63B | 3.80B |