Discounted Cash Flow
Hometrust Bancshares, 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 | $81.7m | $11.5m | $28.0m | 14.0% | $0.65 |
| 2017 | $91.2m (11.6%) | $11.8m (3.4%) | $12.3m (-56.0%) | 13.0% (-7.3%) | $0.66 (1.5%) |
| 2018 | $19.0m (-79.2%) | $8.2m (-30.5%) | $27.9m (126.8%) | 43.4% (234.1%) | $0.45 (-31.8%) |
| 2019 | $22.9m (20.9%) | $27.1m (229.6%) | $5.5m (-80.1%) | 118.3% (172.6%) | $1.52 (237.8%) |
| 2020 | $30.3m (32.2%) | $22.8m (-16.1%) | $-45.0m (-912.3%) | 75.1% (-36.5%) | $1.34 (-11.8%) |
| 2021 | $39.8m (31.3%) | $15.7m (-31.2%) | $-13.3m (70.4%) | 39.4% (-47.6%) | $0.96 (-28.4%) |
| 2022 | $110.8m (178.2%) | $35.7m (127.5%) | $28.2m (311.6%) | 32.2% (-18.2%) | $2.27 (136.5%) |
| 2023 | $157.4m (42.1%) | $44.6m (25.1%) | $-45.8m (-262.5%) | 28.3% (-12.0%) | $2.82 (24.2%) |
| 2024 | $168.7m (7.2%) | $54.8m (22.9%) | $41.9m (191.5%) | 32.5% (14.7%) | $3.21 (13.8%) |
| 2025 | $176.7m (4.8%) | $64.4m (17.4%) | $45.3m (8.1%) | 36.4% (12.1%) | $3.75 (16.8%) |
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.