Discounted Cash Flow
Civista Bancshares, 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) |
|---|---|---|---|---|---|
| 2016 | $50.3m | $17.2m | $15.3m | 34.3% | $1.96 |
| 2017 | $54.5m (8.4%) | $15.9m (-7.8%) | $19.8m (29.7%) | 29.1% (-15.0%) | $1.48 (-24.5%) |
| 2018 | $18.1m (-66.7%) | $14.1m (-10.9%) | $18.5m (-6.7%) | 78.0% (167.8%) | $1.10 (-25.7%) |
| 2019 | $22.4m (23.8%) | $33.9m (139.6%) | $36.3m (96.5%) | 151.0% (93.6%) | $2.12 (92.7%) |
| 2020 | $28.2m (25.6%) | $32.2m (-5.0%) | $30.2m (-16.8%) | 114.2% (-24.3%) | $2.00 (-5.7%) |
| 2021 | $31.5m (11.6%) | $40.5m (26.0%) | $38.8m (28.4%) | 128.9% (12.9%) | $2.63 (31.5%) |
| 2022 | $29.1m (-7.6%) | $39.4m (-2.8%) | $18.7m (-51.9%) | 135.6% (5.2%) | $2.60 (-1.1%) |
| 2023 | $37.2m (27.8%) | $43.0m (9.0%) | $59.3m (217.4%) | 115.6% (-14.7%) | $2.73 (5.0%) |
| 2024 | $37.7m (1.6%) | $31.7m (-26.3%) | $44.1m (-25.7%) | 83.9% (-27.4%) | $2.01 (-26.4%) |
| 2025 | $34.0m (-10.0%) | $46.2m (45.9%) | $42.1m (-4.4%) | 136.0% (62.1%) | $2.64 (31.3%) |
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.