Discounted Cash Flow
Community Financial System, Inc.
—
—
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 | $429.5m | $103.8m | $118.8m | 24.2% | $2.34 |
| 2017 | $518.1m (20.6%) | $150.7m (45.2%) | $178.9m (50.5%) | 29.1% (20.4%) | $3.07 (31.2%) |
| 2018 | $569.1m (9.8%) | $168.6m (11.9%) | $208.8m (16.7%) | 29.6% (1.9%) | $3.28 (6.8%) |
| 2019 | $589.8m (3.6%) | $169.1m (0.3%) | $196.8m (-5.7%) | 28.7% (-3.3%) | $3.26 (-0.6%) |
| 2020 | $596.8m (1.2%) | $164.7m (-2.6%) | $165.1m (-16.1%) | 27.6% (-3.7%) | $3.10 (-4.9%) |
| 2021 | $620.6m (4.0%) | $189.7m (15.2%) | $189.4m (14.7%) | 30.6% (10.8%) | $3.51 (13.2%) |
| 2022 | $679.4m (9.5%) | $188.1m (-0.9%) | $201.7m (6.5%) | 27.7% (-9.4%) | $3.48 (-0.9%) |
| 2023 | $652.1m (-4.0%) | $131.9m (-29.9%) | $209.8m (4.0%) | 20.2% (-26.9%) | $2.45 (-29.6%) |
| 2024 | $746.3m (14.4%) | $182.5m (38.3%) | $221.6m (5.6%) | 24.5% (20.9%) | $3.44 (40.4%) |
| 2025 | $818.0m (9.6%) | $210.5m (15.3%) | $233.3m (5.3%) | 25.7% (5.2%) | $3.98 (15.7%) |
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.