Discounted Cash Flow
Orange County Bancorp, Inc. /De/
—
—
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) |
|---|---|---|---|---|---|
| 2020 | $53.5m | $11.7m | $10.7m | 21.8% | $2.59 |
| 2021 | $64.4m (20.5%) | $21.3m (82.3%) | $18.4m (72.4%) | 33.0% (51.2%) | $4.28 (65.3%) |
| 2022 | $84.2m (30.7%) | $24.4m (14.5%) | $28.9m (57.6%) | 28.9% (-12.4%) | $4.33 (1.2%) |
| 2023 | $117.8m (39.8%) | $29.5m (21.0%) | $41.0m (41.6%) | 25.0% (-13.5%) | $5.24 (21.0%) |
| 2024 | $127.2m (8.0%) | $27.9m (-5.4%) | $32.9m (-19.8%) | 21.9% (-12.4%) | $2.47 (-52.9%) |
| 2025 | $135.0m (6.1%) | $41.6m (49.2%) | $41.3m (25.7%) | 30.8% (40.7%) | $3.33 (34.8%) |
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.