Discounted Cash Flow
Dime Commercial Bancshares, Inc. /Ny/
—
—
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 | $120.9m | $35.5m | $40.0m | 29.4% | $2.01 |
| 2017 | $127.2m (5.2%) | $20.5m (-42.1%) | $44.8m (12.0%) | 16.2% (-45.0%) | $1.04 (-48.3%) |
| 2018 | $9.9m (-92.3%) | $39.2m (91.0%) | $53.1m (18.5%) | 398.1% (2364.8%) | $1.97 (89.4%) |
| 2019 | $10.1m (2.1%) | $51.7m (31.8%) | $66.7m (25.6%) | 513.9% (29.1%) | $2.59 (31.5%) |
| 2020 | $9.0m (-11.0%) | $42.0m (-18.7%) | $42.3m (-36.6%) | 469.5% (-8.6%) | $2.11 (-18.5%) |
| 2021 | $16.0m (78.6%) | $104.0m (147.4%) | $146.3m (246.3%) | 650.1% (38.5%) | $2.45 (16.1%) |
| 2022 | $16.2m (1.3%) | $152.6m (46.7%) | $291.4m (99.2%) | 941.4% (44.8%) | $3.73 (52.2%) |
| 2023 | $16.4m (1.4%) | $96.1m (-37.0%) | $85.2m (-70.8%) | 584.6% (-37.9%) | $2.29 (-38.6%) |
| 2024 | $16.7m (1.8%) | $29.1m (-69.7%) | $92.8m (9.0%) | 173.9% (-70.3%) | $0.55 (-76.0%) |
| 2025 | $19.9m (19.0%) | $110.7m (280.6%) | $182.4m (96.6%) | 556.0% (219.7%) | $2.36 (329.1%) |
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.