Discounted Cash Flow

Metrocity Bankshares, Inc.

MCBS · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2017 $60.5m $31.9m $145.9m 52.7% $1.34
2018 $72.9m (20.4%) $41.3m (29.6%) $-163.8m (-212.3%) 56.7% (7.6%) $1.71 (27.6%)
2019 $83.2m (14.2%) $44.7m (8.2%) $31.1m (119.0%) 53.7% (-5.2%) $1.82 (6.4%)
2020 $77.6m (-6.7%) $36.4m (-18.6%) $142.0m (356.6%) 46.9% (-12.7%) $1.42 (-22.0%)
2021 $108.7m (40.1%) $61.7m (69.5%) $65.0m (-54.2%) 56.7% (21.0%) $2.41 (69.7%)
2022 $147.2m (35.4%) $62.6m (1.5%) $132.3m (103.4%) 42.5% (-25.1%) $2.46 (2.1%)
2023 $192.8m (31.0%) $51.6m (-17.6%) $77.2m (-41.7%) 26.8% (-37.1%) $2.05 (-16.7%)
2024 $212.9m (10.4%) $64.5m (25.0%) $62.2m (-19.4%) 30.3% (13.2%) $2.55 (24.4%)
2025 $220.8m (3.7%) $68.5m (6.2%) $37.0m (-40.5%) 31.0% (2.4%) $2.66 (4.3%)

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):

DCF price per share:

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.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model