Discounted Cash Flow
Glacier Bancorp, 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 | $421.8m | $121.1m | $172.1m | 28.7% | $1.59 |
| 2017 | $457.4m (8.4%) | $116.4m (-3.9%) | $244.6m (42.1%) | 25.4% (-11.4%) | $1.50 (-5.7%) |
| 2018 | $552.3m (20.7%) | $181.9m (56.3%) | $262.1m (7.1%) | 32.9% (29.4%) | $2.18 (45.3%) |
| 2019 | $634.2m (14.8%) | $210.5m (15.8%) | $210.3m (-19.8%) | 33.2% (0.8%) | $2.39 (9.6%) |
| 2020 | $772.6m (21.8%) | $266.4m (26.5%) | $177.8m (-15.4%) | 34.5% (3.9%) | $2.81 (17.6%) |
| 2021 | $807.3m (4.5%) | $284.8m (6.9%) | $562.6m (216.4%) | 35.3% (2.3%) | $2.87 (2.1%) |
| 2022 | $909.1m (12.6%) | $303.2m (6.5%) | $447.4m (-20.5%) | 33.4% (-5.4%) | $2.74 (-4.5%) |
| 2023 | $809.8m (-10.9%) | $222.9m (-26.5%) | $451.4m (0.9%) | 27.5% (-17.5%) | $2.01 (-26.6%) |
| 2024 | $833.1m (2.9%) | $190.1m (-14.7%) | $209.8m (-53.5%) | 22.8% (-17.1%) | $1.68 (-16.4%) |
| 2025 | $1.0b (23.7%) | $239.0m (25.7%) | $347.6m (65.7%) | 23.2% (1.6%) | $2.00 (19.0%) |
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.