Discounted Cash Flow
Northfield 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 | $113.4m | $26.1m | $36.8m | 23.0% | $0.59 |
| 2017 | $120.5m (6.3%) | $24.8m (-5.2%) | $41.6m (13.0%) | 20.5% (-10.8%) | $0.55 (-6.8%) |
| 2018 | $119.4m (-1.0%) | $40.1m (61.8%) | $49.9m (20.1%) | 33.6% (63.4%) | $0.87 (58.2%) |
| 2019 | $126.6m (6.1%) | $40.2m (0.4%) | $47.5m (-4.8%) | 31.8% (-5.3%) | $0.86 (-1.1%) |
| 2020 | $141.3m (11.6%) | $37.0m (-8.1%) | $52.2m (9.7%) | 26.2% (-17.6%) | $0.76 (-11.6%) |
| 2021 | $170.1m (20.4%) | $70.7m (91.0%) | $63.1m (21.0%) | 41.5% (58.7%) | $1.46 (92.1%) |
| 2022 | $166.3m (-2.2%) | $61.1m (-13.5%) | $80.8m (28.0%) | 36.8% (-11.5%) | $1.32 (-9.6%) |
| 2023 | $136.6m (-17.9%) | $37.7m (-38.4%) | $43.4m (-46.3%) | 27.6% (-25.0%) | $0.86 (-34.8%) |
| 2024 | $131.3m (-3.8%) | $29.9m (-20.5%) | $30.0m (-30.9%) | 22.8% (-17.3%) | $0.72 (-16.3%) |
| 2025 | $154.3m (17.5%) | $796.0k (-97.3%) | $52.5m (75.4%) | 0.5% (-97.7%) | $0.02 (-97.2%) |
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.