Discounted Cash Flow
Citizens & Northern Corp.
—
—
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 | — | $15.8m | $16.9m | — | $1.30 |
| 2017 | — | $13.4m (-14.8%) | $17.7m (4.4%) | — | $1.10 (-15.4%) |
| 2018 | — | $22.0m (63.9%) | $24.7m (39.9%) | — | $1.79 (62.7%) |
| 2019 | — | $19.5m (-11.4%) | $19.6m (-20.8%) | — | $1.46 (-18.4%) |
| 2020 | — | $19.2m (-1.4%) | $21.6m (10.5%) | — | $1.30 (-11.0%) |
| 2021 | — | $30.6m (59.0%) | $33.0m (52.4%) | — | $1.92 (47.7%) |
| 2022 | — | $26.6m (-12.9%) | $31.3m (-5.1%) | — | $1.71 (-10.9%) |
| 2023 | — | $24.1m (-9.3%) | $31.3m (-0.1%) | — | $1.57 (-8.2%) |
| 2024 | — | $26.0m (7.5%) | $31.1m (-0.5%) | — | $1.69 (7.6%) |
| 2025 | — | $23.4m (-9.8%) | $30.1m (-3.3%) | — | $1.46 (-13.6%) |
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.