Discounted Cash Flow
German American Bancorp, Inc.
—
—
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 | $94.9m | $35.2m | $36.7m | 37.1% | $2.36 |
| 2017 | $99.9m (5.3%) | $40.7m (15.6%) | $43.7m (19.1%) | 40.7% (9.8%) | $1.77 (-25.0%) |
| 2018 | $114.6m (14.7%) | $46.5m (14.4%) | $47.1m (7.9%) | 40.6% (-0.3%) | $1.99 (12.4%) |
| 2019 | $145.2m (26.7%) | $59.2m (27.3%) | $55.9m (18.5%) | 40.8% (0.4%) | $2.29 (15.1%) |
| 2020 | $155.2m (6.9%) | $62.2m (5.0%) | $85.3m (52.8%) | 40.1% (-1.7%) | $2.34 (2.2%) |
| 2021 | $160.8m (3.6%) | $84.1m (35.2%) | $96.2m (12.7%) | 52.3% (30.5%) | $3.17 (35.5%) |
| 2022 | $200.6m (24.7%) | $81.8m (-2.7%) | $102.2m (6.3%) | 40.8% (-22.0%) | $2.78 (-12.3%) |
| 2023 | $190.4m (-5.1%) | $85.9m (5.0%) | $101.5m (-0.7%) | 45.1% (10.6%) | $2.91 (4.7%) |
| 2024 | $353.7m (85.7%) | $83.8m (-2.4%) | $90.7m (-10.6%) | 23.7% (-47.5%) | $2.83 (-2.7%) |
| 2025 | $487.4m (37.8%) | $112.6m (34.4%) | $154.0m (69.8%) | 23.1% (-2.5%) | $3.06 (8.1%) |
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.