Discounted Cash Flow
Finwise Bancorp
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—
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) |
|---|---|---|---|---|---|
| 2021 | $49.2m | $31.6m | $-9.2m | 64.1% | $3.44 |
| 2022 | $52.3m (6.3%) | $25.1m (-20.5%) | $61.2m (762.4%) | 48.0% (-25.2%) | $1.96 (-43.0%) |
| 2023 | $64.5m (23.3%) | $17.5m (-30.5%) | $12.3m (-79.9%) | 27.1% (-43.6%) | $1.38 (-29.6%) |
| 2024 | $74.4m (15.2%) | $12.7m (-27.0%) | $-15.0m (-222.2%) | 17.1% (-36.7%) | $0.98 (-29.0%) |
| 2025 | $92.5m (24.4%) | $16.1m (26.3%) | $-28.4m (-89.6%) | 17.4% (1.5%) | $1.20 (22.4%) |
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.