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 | — | — | — |
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 | $314.5m | $121.1m | $172.1m | 38.5% | $1.59 |
| 2017 | $345.2m (9.7%) | $116.4m (-3.9%) | $244.6m (42.1%) | 33.7% (-12.5%) | $1.50 (-5.7%) |
| 2018 | $76.7m (-77.8%) | $181.9m (56.3%) | $262.1m (7.1%) | 237.2% (603.6%) | $2.18 (45.3%) |
| 2019 | $69.9m (-8.9%) | $210.5m (15.8%) | $210.3m (-19.8%) | 301.3% (27.0%) | $2.39 (9.6%) |
| 2020 | $54.5m (-22.0%) | $266.4m (26.5%) | $177.8m (-15.4%) | 488.6% (62.2%) | $2.81 (17.6%) |
| 2021 | $65.2m (19.6%) | $284.8m (6.9%) | $562.6m (216.4%) | 436.8% (-10.6%) | $2.87 (2.1%) |
| 2022 | $82.8m (27.1%) | $303.2m (6.5%) | $447.4m (-20.5%) | 366.0% (-16.2%) | $2.74 (-4.5%) |
| 2023 | $88.5m (6.9%) | $222.9m (-26.5%) | $451.4m (0.9%) | 251.8% (-31.2%) | $2.01 (-26.6%) |
| 2024 | $94.0m (6.2%) | $190.1m (-14.7%) | $209.8m (-53.5%) | 202.3% (-19.7%) | $1.68 (-16.4%) |
| 2025 | $101.1m (7.5%) | $239.0m (25.7%) | $347.6m (65.7%) | 236.5% (16.9%) | $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.