Discounted Cash Flow
Citizens Financial Services 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 | $45.9m | $12.6m | $16.2m | 27.6% | $3.78 |
| 2017 | $50.9m (11.0%) | $13.0m (3.1%) | $15.7m (-2.8%) | 25.6% (-7.2%) | $3.74 (-1.1%) |
| 2018 | $54.9m (7.9%) | $18.0m (38.5%) | $21.5m (36.5%) | 32.8% (28.3%) | $5.14 (37.4%) |
| 2019 | $58.3m (6.2%) | $19.5m (8.1%) | $21.8m (1.3%) | 33.4% (1.8%) | $5.54 (7.8%) |
| 2020 | $73.6m (26.2%) | $25.1m (28.8%) | $11.8m (-45.7%) | 34.1% (2.1%) | $6.60 (19.1%) |
| 2021 | $78.4m (6.5%) | $29.1m (16.0%) | $38.7m (227.3%) | 37.1% (8.9%) | $7.38 (11.8%) |
| 2022 | $81.9m (4.4%) | $29.1m (-0.2%) | $31.6m (-18.3%) | 35.5% (-4.4%) | $7.32 (-0.8%) |
| 2023 | $91.9m (12.2%) | $17.8m (-38.7%) | $23.9m (-24.3%) | 19.4% (-45.4%) | $4.06 (-44.5%) |
| 2024 | $101.9m (10.9%) | $27.8m (56.2%) | $31.9m (33.2%) | 27.3% (40.9%) | $5.86 (44.3%) |
| 2025 | $112.3m (10.3%) | $36.6m (31.5%) | $35.2m (10.6%) | 32.6% (19.2%) | $7.62 (30.0%) |
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.