Discounted Cash Flow
Customers Bancorp, 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 | $249.5m | $78.7m | $-275.6m | 31.5% | $2.51 |
| 2017 | $267.3m (7.1%) | $78.8m (0.2%) | $383.5m (239.1%) | 29.5% (-6.5%) | $2.10 (-16.3%) |
| 2018 | $257.9m (-3.5%) | $71.7m (-9.1%) | $95.7m (-75.0%) | 27.8% (-5.7%) | $1.81 (-13.8%) |
| 2019 | $46.7m (-81.9%) | $79.3m (10.6%) | $76.6m (-20.0%) | 169.8% (510.7%) | $2.08 (14.9%) |
| 2020 | $40.2m (-14.0%) | $132.6m (67.1%) | $128.3m (67.5%) | 329.8% (94.3%) | $3.76 (80.8%) |
| 2021 | $685.1m (1604.4%) | $314.6m (137.3%) | $-25.0m (-119.5%) | 45.9% (-86.1%) | $9.29 (147.1%) |
| 2022 | $623.7m (-9.0%) | $228.0m (-27.5%) | $-4.0m (83.8%) | 36.6% (-20.4%) | $6.69 (-28.0%) |
| 2023 | $687.4m (10.2%) | $250.1m (9.7%) | $-590.0k (85.4%) | 36.4% (-0.5%) | $7.49 (12.0%) |
| 2024 | $654.4m (-4.8%) | $181.5m (-27.5%) | $143.6m (24433.2%) | 27.7% (-23.8%) | $5.28 (-29.5%) |
| 2025 | $750.5m (14.7%) | $224.1m (23.5%) | $481.0m (235.1%) | 29.9% (7.7%) | $6.46 (22.3%) |
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.