Discounted Cash Flow
Financial Institutions Inc.
—
—
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 | $115.2m | $31.9m | $39.1m | 27.7% | $2.11 |
| 2017 | $130.1m (12.9%) | $33.5m (5.0%) | $38.5m (-1.4%) | 25.8% (-7.0%) | $2.13 (0.9%) |
| 2018 | $152.7m (17.4%) | $39.5m (17.9%) | $62.3m (61.6%) | 25.9% (0.4%) | $2.39 (12.2%) |
| 2019 | $168.8m (10.5%) | $48.9m (23.6%) | $54.1m (-13.2%) | 28.9% (11.9%) | $2.97 (24.3%) |
| 2020 | $161.3m (-4.4%) | $38.3m (-21.6%) | $39.2m (-27.5%) | 23.8% (-17.9%) | $2.30 (-22.6%) |
| 2021 | $167.2m (3.7%) | $77.7m (102.7%) | $63.6m (62.2%) | 46.5% (95.5%) | $4.81 (109.1%) |
| 2022 | $196.1m (17.3%) | $56.6m (-27.2%) | $125.2m (97.0%) | 28.8% (-37.9%) | $3.58 (-25.6%) |
| 2023 | $286.1m (45.9%) | $50.3m (-11.2%) | $7.9m (-93.7%) | 17.6% (-39.1%) | $3.17 (-11.5%) |
| 2024 | $313.2m (9.5%) | $-41.6m (-182.9%) | $72.2m (813.1%) | -13.3% (-175.7%) | $-2.75 (-186.8%) |
| 2025 | $333.0m (6.3%) | $74.9m (279.8%) | $13.3m (-81.6%) | 22.5% (269.1%) | $3.65 (232.7%) |
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.