Discounted Cash Flow
BAR Harbor Bankshares
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
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 | $57.7m | $14.9m | $12.5m | 25.9% | $2.47 |
| 2017 | $118.1m (104.7%) | $26.0m (74.1%) | $37.0m (195.9%) | 22.0% (-15.0%) | $1.71 (-30.8%) |
| 2018 | $118.8m (0.6%) | $32.9m (26.7%) | $32.9m (-10.9%) | 27.7% (26.0%) | $2.13 (24.6%) |
| 2019 | $118.9m (0.1%) | $22.6m (-31.3%) | $27.2m (-17.3%) | 19.0% (-31.4%) | $1.46 (-31.5%) |
| 2020 | $142.1m (19.6%) | $33.2m (47.0%) | $31.4m (15.4%) | 23.4% (22.9%) | $2.18 (49.3%) |
| 2021 | $137.8m (-3.0%) | $39.3m (18.2%) | $58.8m (87.2%) | 28.5% (21.9%) | $2.63 (20.6%) |
| 2022 | $148.3m (7.6%) | $43.6m (10.8%) | $55.1m (-6.3%) | 29.4% (3.0%) | $2.90 (10.3%) |
| 2023 | $152.7m (3.0%) | $44.9m (3.0%) | $40.9m (-25.8%) | 29.4% (-0.0%) | $2.96 (2.1%) |
| 2024 | $150.7m (-1.3%) | $43.5m (-2.9%) | $45.0m (10.0%) | 28.9% (-1.6%) | $2.86 (-3.4%) |
| 2025 | $168.9m (12.1%) | $36.9m (-15.2%) | $43.5m (-3.4%) | 21.9% (-24.4%) | $2.32 (-18.9%) |
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.