Discounted Cash Flow
Arrow 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) |
|---|---|---|---|---|---|
| 2016 | — | $26.5m | $33.3m | — | $1.98 |
| 2017 | — | $29.3m (10.5%) | $35.2m (5.9%) | — | $2.11 (6.6%) |
| 2018 | — | $36.3m (23.7%) | $36.9m (4.7%) | — | $2.52 (19.4%) |
| 2019 | — | $37.5m (3.3%) | $36.2m (-1.9%) | — | $2.51 (-0.4%) |
| 2020 | — | $40.8m (8.9%) | $37.2m (2.8%) | — | $2.64 (5.2%) |
| 2021 | — | $49.9m (22.1%) | $61.1m (64.2%) | — | $3.11 (17.8%) |
| 2022 | — | $48.8m (-2.1%) | $45.5m (-25.6%) | — | $2.95 (-5.1%) |
| 2023 | — | $30.1m (-38.4%) | $13.5m (-70.3%) | — | $1.77 (-40.0%) |
| 2024 | — | $29.7m (-1.2%) | $28.9m (113.9%) | — | $1.77 (0.0%) |
| 2025 | — | $44.0m (47.9%) | $36.2m (25.3%) | — | $2.65 (49.7%) |
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.