Discounted Cash Flow
Carter Bankshares, 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) |
|---|---|---|---|---|---|
| 2019 | $159.1m | $26.6m | $38.3m | 16.7% | $1.01 |
| 2020 | $140.9m (-11.4%) | $-45.9m (-272.6%) | $7.7m (-79.9%) | -32.5% (-294.8%) | $-1.74 (-272.3%) |
| 2021 | $133.9m (-5.0%) | $31.6m (168.9%) | $77.5m (906.5%) | 23.6% (172.5%) | $1.19 (168.4%) |
| 2022 | $160.2m (19.6%) | $50.1m (58.7%) | $70.8m (-8.7%) | 31.3% (32.6%) | $2.03 (70.6%) |
| 2023 | $196.4m (22.6%) | $23.4m (-53.3%) | $46.7m (-34.0%) | 11.9% (-62.0%) | $1.00 (-50.7%) |
| 2024 | $221.7m (12.9%) | $24.5m (4.9%) | $36.9m (-21.0%) | 11.1% (-7.1%) | $1.06 (6.0%) |
| 2025 | $232.2m (4.7%) | $31.4m (27.9%) | $39.9m (7.9%) | 13.5% (22.1%) | $1.38 (30.2%) |
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.