Discounted Cash Flow
Five Star Bancorp
—
—
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) |
|---|---|---|---|---|---|
| 2020 | $65.2m | $35.9m | $51.5m | 55.1% | $3.57 |
| 2021 | $77.6m (19.0%) | $42.4m (18.1%) | $28.7m (-44.3%) | 54.7% (-0.7%) | $2.83 (-20.7%) |
| 2022 | $103.1m (32.8%) | $44.8m (5.6%) | $46.0m (60.4%) | 43.5% (-20.5%) | $2.61 (-7.8%) |
| 2023 | $110.9m (7.6%) | $47.7m (6.5%) | $38.9m (-15.4%) | 43.1% (-1.0%) | $2.78 (6.5%) |
| 2024 | $119.7m (8.0%) | $45.7m (-4.3%) | $51.8m (33.1%) | 38.2% (-11.4%) | $2.26 (-18.7%) |
| 2025 | $151.9m (26.9%) | $61.6m (34.9%) | $72.6m (40.2%) | 40.6% (6.3%) | $2.90 (28.3%) |
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.