Discounted Cash Flow
Midland States 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) |
|---|---|---|---|---|---|
| 2017 | $153.1m | $16.1m | $64.3m | 10.5% | $0.89 |
| 2018 | $223.4m (45.9%) | $39.4m (145.5%) | $89.9m (39.8%) | 17.6% (68.3%) | $1.69 (89.9%) |
| 2019 | $249.5m (11.7%) | $55.8m (41.5%) | $113.9m (26.7%) | 22.4% (26.7%) | $2.28 (34.9%) |
| 2020 | $244.9m (-1.9%) | $22.5m (-59.6%) | $22.5m (-80.2%) | 9.2% (-58.8%) | $0.95 (-58.3%) |
| 2021 | $237.8m (-2.9%) | $81.3m (260.8%) | $331.7m (1371.9%) | 34.2% (271.5%) | $3.58 (276.8%) |
| 2022 | $301.8m (26.9%) | $99.0m (21.8%) | $233.3m (-29.7%) | 32.8% (-4.0%) | $4.24 (18.4%) |
| 2023 | $404.3m (34.0%) | $75.5m (-23.8%) | $145.9m (-37.5%) | 18.7% (-43.1%) | $2.97 (-30.0%) |
| 2024 | $426.1m (5.4%) | $38.0m (-49.6%) | $169.6m (16.3%) | 8.9% (-52.2%) | $1.32 (-55.6%) |
| 2025 | $387.9m (-9.0%) | $-124.3m (-426.7%) | $120.3m (-29.1%) | -32.0% (-458.9%) | $-6.12 (-563.6%) |
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.