Discounted Cash Flow
Northrim 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) |
|---|---|---|---|---|---|
| 2016 | $56.4m | $14.4m | $16.8m | 25.6% | $2.09 |
| 2017 | $57.7m (2.3%) | $13.2m (-8.7%) | $17.7m (5.3%) | 22.8% (-10.8%) | $1.91 (-8.6%) |
| 2018 | $32.2m (-44.2%) | $20.0m (52.1%) | $21.6m (22.1%) | 62.2% (172.7%) | $2.91 (52.4%) |
| 2019 | $64.4m (100.3%) | $20.7m (3.4%) | $-3.1m (-114.5%) | 32.1% (-48.4%) | $3.08 (5.8%) |
| 2020 | $70.7m (9.7%) | $32.9m (58.9%) | $-39.3m (-1152.1%) | 46.5% (45.0%) | $5.18 (68.2%) |
| 2021 | $80.8m (14.4%) | $37.5m (14.1%) | $109.7m (379.0%) | 46.4% (-0.3%) | $6.07 (17.2%) |
| 2022 | $95.1m (17.7%) | $30.7m (-18.1%) | $74.3m (-32.2%) | 32.3% (-30.4%) | $5.33 (-12.2%) |
| 2023 | $103.3m (8.6%) | $25.4m (-17.4%) | $32.8m (-55.9%) | 24.6% (-23.9%) | $4.53 (-15.0%) |
| 2024 | $196.0m (89.8%) | $37.0m (45.6%) | $-9.3m (-128.5%) | 18.9% (-23.3%) | $6.72 (48.3%) |
| 2025 | $255.6m (30.4%) | $64.6m (74.8%) | $133.9m (1532.2%) | 25.3% (34.0%) | $2.92 (-56.5%) |
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.