Discounted Cash Flow

Community West Bancshares

CWBC · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $15.2m $12.1m $1.34
2017 $14.0m (-7.6%) $24.4m (100.7%) $1.12 (-16.4%)
2018 $21.3m (51.8%) $29.1m (19.5%) $1.55 (38.4%)
2019 $21.4m (0.7%) $20.8m (-28.4%) $1.60 (3.2%)
2020 $20.3m (-5.1%) $15.5m (-25.7%) $1.62 (1.3%)
2021 $28.4m (39.6%) $41.8m (169.8%) $2.32 (43.2%)
2022 $26.6m (-6.2%) $23.8m (-43.0%) $2.27 (-2.2%)
2023 $25.5m (-4.2%) $18.0m (-24.3%) $2.17 (-4.4%)
2024 $7.7m (-70.0%) $17.2m (-4.9%) $0.45 (-79.3%)
2025 $38.2m (397.9%) $43.6m (154.1%) $2.01 (346.7%)

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):

DCF price per share:

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.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model