Discounted Cash Flow
HBT Financial, 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) |
|---|---|---|---|---|---|
| 2017 | $121.0m | $56.1m | $72.1m | 46.4% | $3.10 |
| 2018 | $129.4m (7.0%) | $63.8m (13.7%) | $80.0m (11.0%) | 49.3% (6.3%) | $3.54 (14.2%) |
| 2019 | $133.8m (3.4%) | $66.9m (4.8%) | $89.1m (11.4%) | 50.0% (1.4%) | $3.33 (-5.9%) |
| 2020 | $117.6m (-12.1%) | $36.8m (-44.9%) | $31.3m (-64.9%) | 31.3% (-37.3%) | $1.34 (-59.8%) |
| 2021 | $122.4m (4.1%) | $56.3m (52.7%) | $43.1m (37.9%) | 46.0% (46.7%) | $2.02 (50.7%) |
| 2022 | $145.9m (19.2%) | $56.5m (0.3%) | $72.6m (68.4%) | 38.7% (-15.8%) | $1.95 (-3.5%) |
| 2023 | $191.1m (31.0%) | $65.8m (16.6%) | $65.8m (-9.3%) | 34.5% (-11.0%) | $2.08 (6.7%) |
| 2024 | $188.8m (-1.2%) | $71.8m (9.0%) | $89.4m (35.8%) | 38.0% (10.3%) | $2.27 (9.1%) |
| 2025 | $198.9m (5.3%) | $77.0m (7.3%) | $85.1m (-4.8%) | 38.7% (1.9%) | $2.44 (7.5%) |
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.