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 | — | — | — |
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 | $38.0m | $12.6m | $16.2m | 33.3% | $3.78 |
| 2017 | $42.3m (11.3%) | $13.0m (3.1%) | $15.7m (-2.8%) | 30.8% (-7.4%) | $3.74 (-1.1%) |
| 2018 | $6.5m (-84.6%) | $18.0m (38.5%) | $21.5m (36.5%) | 276.9% (798.4%) | $5.14 (37.4%) |
| 2019 | $6.9m (6.4%) | $19.5m (8.1%) | $21.8m (1.3%) | 281.4% (1.6%) | $5.54 (7.8%) |
| 2020 | $6.7m (-3.8%) | $25.1m (28.8%) | $11.8m (-45.7%) | 376.9% (33.9%) | $6.60 (19.1%) |
| 2021 | $7.7m (16.2%) | $29.1m (16.0%) | $38.7m (227.3%) | 376.3% (-0.2%) | $7.38 (11.8%) |
| 2022 | $8.6m (11.0%) | $29.1m (-0.2%) | $31.6m (-18.3%) | 338.4% (-10.1%) | $7.32 (-0.8%) |
| 2023 | $9.0m (4.5%) | $17.8m (-38.7%) | $23.9m (-24.3%) | 198.5% (-41.3%) | $4.06 (-44.5%) |
| 2024 | $9.6m (7.1%) | $27.8m (56.2%) | $31.9m (33.2%) | 289.5% (45.8%) | $5.86 (44.3%) |
| 2025 | $9.9m (2.8%) | $36.6m (31.5%) | $35.2m (10.6%) | 370.1% (27.9%) | $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.