Discounted Cash Flow
Bank of N.t. Butterfield & Son Ltd. Foreign
—
—
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 | $401.6m | $115.9m | $178.2m | 28.9% | $1.20 |
| 2017 | $453.4m (12.9%) | $153.3m (32.2%) | $241.7m (35.6%) | 33.8% (17.1%) | $2.82 (135.0%) |
| 2018 | $517.8m (14.2%) | $195.2m (27.4%) | $296.3m (22.6%) | 37.7% (11.5%) | $3.55 (25.9%) |
| 2019 | $532.6m (2.9%) | $177.1m (-9.3%) | $249.6m (-15.8%) | 33.2% (-11.8%) | $3.33 (-6.2%) |
| 2020 | $494.2m (-7.2%) | $147.2m (-16.9%) | $188.2m (-24.6%) | 29.8% (-10.4%) | $2.91 (-12.6%) |
| 2021 | $499.7m (1.1%) | $162.7m (10.5%) | $251.3m (33.6%) | 32.6% (9.3%) | $3.28 (12.7%) |
| 2022 | $549.3m (9.9%) | $214.0m (31.6%) | $192.4m (-23.5%) | 39.0% (19.7%) | $4.32 (31.7%) |
| 2023 | $578.6m (5.3%) | $225.5m (5.4%) | $246.0m (27.9%) | 39.0% (0.0%) | $4.62 (6.9%) |
| 2024 | $579.9m (0.2%) | $216.3m (-4.1%) | $243.9m (-0.9%) | 37.3% (-4.3%) | $4.80 (3.9%) |
| 2025 | $606.8m (4.6%) | $231.9m (7.2%) | $254.8m (4.5%) | 38.2% (2.5%) | $5.61 (16.9%) |
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.