Discounted Cash Flow
Sierra Bancorp
—
—
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 | — | $17.6m | $13.9m | — | $1.30 |
| 2017 | — | $19.5m (11.2%) | $39.2m (181.1%) | — | $1.38 (6.2%) |
| 2018 | — | $29.7m (51.9%) | $27.3m (-30.3%) | — | $1.94 (40.6%) |
| 2019 | — | $36.0m (21.2%) | $46.0m (68.2%) | — | $2.35 (21.1%) |
| 2020 | — | $35.4m (-1.4%) | $37.1m (-19.2%) | — | $2.33 (-0.9%) |
| 2021 | — | $43.0m (21.4%) | $52.3m (40.9%) | — | $2.82 (21.0%) |
| 2022 | — | $33.7m (-21.7%) | $32.3m (-38.2%) | — | $2.25 (-20.2%) |
| 2023 | — | $34.8m (3.5%) | $51.8m (60.5%) | — | $2.37 (5.3%) |
| 2024 | — | $40.6m (16.4%) | $56.0m (8.0%) | — | $2.84 (19.8%) |
| 2025 | — | $42.3m (4.4%) | $32.2m (-42.5%) | — | $3.14 (10.6%) |
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.