Discounted Cash Flow
C & F Financial Corp.
—
—
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 | $115.1m | $13.5m | $25.6m | 11.7% | $3.90 |
| 2017 | $116.3m (1.1%) | $6.6m (-51.2%) | $22.7m (-11.2%) | 5.6% (-51.7%) | $1.89 (-51.5%) |
| 2018 | $118.3m (1.7%) | $18.0m (174.2%) | $43.7m (92.7%) | 15.2% (169.6%) | $5.15 (172.5%) |
| 2019 | $127.0m (7.4%) | $18.9m (4.7%) | $-17.9m (-140.8%) | 14.8% (-2.5%) | $5.47 (6.2%) |
| 2020 | $152.3m (19.9%) | $22.1m (17.3%) | $-90.6m (-407.0%) | 14.5% (-2.2%) | — |
| 2021 | $134.5m (-11.7%) | $28.7m (29.6%) | $152.6m (268.4%) | 21.3% (46.8%) | $7.95 |
| 2022 | $121.9m (-9.4%) | $29.2m (1.7%) | $87.2m (-42.9%) | 23.9% (12.2%) | $8.29 (4.3%) |
| 2023 | $127.3m (4.4%) | $23.6m (-19.1%) | $37.4m (-57.1%) | 18.5% (-22.5%) | $6.92 (-16.5%) |
| 2024 | $127.3m (-0.0%) | $19.8m (-16.0%) | $35.0m (-6.3%) | 15.6% (-16.0%) | $6.01 (-13.2%) |
| 2025 | $140.8m (10.6%) | $26.8m (35.3%) | $22.2m (-36.7%) | 19.1% (22.3%) | $8.29 (37.9%) |
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.