Discounted Cash Flow
Banc of California, Inc.
—
—
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 | $325.5m | $115.4m | $-31.0m | 35.5% | $1.97 |
| 2017 | $304.2m (-6.5%) | $57.7m (-50.0%) | $547.7m (1866.4%) | 19.0% (-46.5%) | $0.72 (-63.5%) |
| 2018 | $23.9m (-92.1%) | $45.5m (-21.2%) | $114.0m (-79.2%) | 190.1% (902.2%) | $0.45 (-37.5%) |
| 2019 | $12.1m (-49.3%) | $23.8m (-47.8%) | $69.8m (-38.8%) | 196.1% (3.1%) | $0.05 (-88.9%) |
| 2020 | $18.5m (52.8%) | $12.6m (-47.1%) | $69.8m (-0.0%) | 67.9% (-65.4%) | $-0.04 (-180.0%) |
| 2021 | $6.0m (-67.8%) | $62.3m (395.8%) | $102.9m (47.5%) | 1045.4% (1439.5%) | $1.90 (4850.0%) |
| 2022 | $9.1m (51.9%) | $120.9m (94.0%) | $132.0m (28.2%) | 1335.2% (27.7%) | $3.80 (100.0%) |
| 2023 | $33.8m (272.8%) | $-1.9b (-1670.3%) | $120.5m (-8.7%) | -5624.2% (-521.2%) | $-22.71 (-697.6%) |
| 2024 | $37.2m (10.2%) | $126.9m (106.7%) | $64.3m (-46.6%) | 340.9% (106.1%) | $0.52 (102.3%) |
| 2025 | $38.8m (4.2%) | $229.0m (80.5%) | $234.8m (265.0%) | 590.2% (73.1%) | $1.18 (126.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
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.