Discounted Cash Flow
NBT Bancorp Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
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 | $380.2m | $78.4m | $109.5m | 20.6% | $1.81 |
| 2017 | $404.8m (6.5%) | $82.2m (4.8%) | $136.9m (25.0%) | 20.3% (-1.6%) | $1.89 (4.4%) |
| 2018 | $430.4m (6.3%) | $112.6m (37.0%) | $147.8m (7.9%) | 26.2% (28.9%) | $2.58 (36.5%) |
| 2019 | $455.6m (5.9%) | $121.0m (7.5%) | $153.5m (3.9%) | 26.6% (1.6%) | $2.76 (7.0%) |
| 2020 | $462.0m (1.4%) | $104.4m (-13.7%) | $142.4m (-7.2%) | 22.6% (-14.9%) | $2.39 (-13.4%) |
| 2021 | $478.9m (3.7%) | $154.9m (48.4%) | $157.6m (10.7%) | 32.3% (43.1%) | $3.57 (49.4%) |
| 2022 | $517.8m (8.1%) | $152.0m (-1.9%) | $176.2m (11.8%) | 29.4% (-9.2%) | $3.54 (-0.8%) |
| 2023 | $520.4m (0.5%) | $118.8m (-21.9%) | $148.2m (-15.9%) | 22.8% (-22.2%) | $2.67 (-24.6%) |
| 2024 | $576.9m (10.9%) | $140.6m (18.4%) | $176.8m (19.3%) | 24.4% (6.8%) | $2.98 (11.6%) |
| 2025 | $697.0m (20.8%) | $169.2m (20.3%) | $218.9m (23.8%) | 24.3% (-0.4%) | $3.34 (12.1%) |
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.