Discounted Cash Flow
Independent Bank Corp.
—
—
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 | — | $76.6m | $82.9m | — | $2.90 |
| 2017 | — | $87.2m (13.8%) | $105.8m (27.6%) | — | $3.19 (10.0%) |
| 2018 | — | $121.6m (39.5%) | $130.7m (23.5%) | — | $4.41 (38.2%) |
| 2019 | — | $165.2m (35.8%) | $199.9m (52.9%) | — | $5.03 (14.1%) |
| 2020 | — | $121.2m (-26.6%) | $52.0m (-74.0%) | — | $3.64 (-27.6%) |
| 2021 | — | $121.0m (-0.1%) | $165.0m (217.0%) | — | $3.47 (-4.7%) |
| 2022 | — | $263.8m (118.0%) | $399.1m (141.9%) | — | $5.69 (64.0%) |
| 2023 | — | $239.5m (-9.2%) | $261.1m (-34.6%) | — | $5.42 (-4.7%) |
| 2024 | — | $192.1m (-19.8%) | $209.5m (-19.8%) | — | $4.52 (-16.6%) |
| 2025 | — | $205.1m (6.8%) | $239.0m (14.1%) | — | $4.44 (-1.8%) |
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.