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 | — | — | — |
| 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 | $136.9m | $35.5m | $40.0m | 25.9% | $2.01 |
| 2017 | $145.3m (6.1%) | $20.5m (-42.1%) | $44.8m (12.0%) | 14.1% (-45.5%) | $1.04 (-48.3%) |
| 2018 | $148.3m (2.1%) | $39.2m (91.0%) | $53.1m (18.5%) | 26.4% (87.0%) | $1.97 (89.4%) |
| 2019 | $159.6m (7.6%) | $51.7m (31.8%) | $66.7m (25.6%) | 32.4% (22.5%) | $2.59 (31.5%) |
| 2020 | $199.0m (24.7%) | $42.0m (-18.7%) | $42.3m (-36.6%) | 21.1% (-34.8%) | $2.11 (-18.5%) |
| 2021 | $399.7m (100.9%) | $104.0m (147.4%) | $146.3m (246.3%) | 26.0% (23.1%) | $2.45 (16.1%) |
| 2022 | $418.0m (4.6%) | $152.6m (46.7%) | $291.4m (99.2%) | 36.5% (40.3%) | $3.73 (52.2%) |
| 2023 | $352.8m (-15.6%) | $96.1m (-37.0%) | $85.2m (-70.8%) | 27.2% (-25.4%) | $2.29 (-38.6%) |
| 2024 | $314.1m (-11.0%) | $29.1m (-69.7%) | $92.8m (9.0%) | 9.3% (-66.0%) | $0.55 (-76.0%) |
| 2025 | $452.9m (44.2%) | $110.7m (280.6%) | $182.4m (96.6%) | 24.4% (163.9%) | $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.