Discounted Cash Flow
Alerus Financial Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $75.6m | $15.0m | $44.9m | 19.8% | $1.10 |
| 2018 | $87.7m (16.0%) | $25.9m (72.4%) | $49.8m (10.8%) | 29.5% (48.7%) | $1.88 (70.9%) |
| 2019 | $93.3m (6.4%) | $29.5m (14.2%) | $16.3m (-67.2%) | 31.7% (7.4%) | $1.96 (4.3%) |
| 2020 | $96.1m (3.0%) | $44.7m (51.2%) | $-26.1m (-259.5%) | 46.5% (46.8%) | $2.57 (31.1%) |
| 2021 | $92.7m (-3.6%) | $52.7m (17.9%) | $147.4m (665.4%) | 56.9% (22.3%) | $3.02 (17.5%) |
| 2022 | $115.6m (24.7%) | $40.0m (-24.1%) | $101.2m (-31.4%) | 34.6% (-39.1%) | $2.12 (-29.8%) |
| 2023 | $164.9m (42.7%) | $11.7m (-70.8%) | $25.8m (-74.5%) | 7.1% (-79.5%) | $0.59 (-72.2%) |
| 2024 | $221.6m (34.4%) | $17.8m (52.0%) | $16.6m (-35.7%) | 8.0% (13.1%) | $0.84 (42.4%) |
| 2025 | $279.6m (26.2%) | $17.4m (-1.9%) | $58.8m (254.6%) | 6.2% (-22.3%) | $0.69 (-17.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.