Discounted Cash Flow
OLD Second 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 | — | $15.7m | $25.3m | — | $0.53 |
| 2017 | — | $15.1m (-3.5%) | $36.0m (42.7%) | — | $0.51 (-3.8%) |
| 2018 | — | $34.0m (124.7%) | $53.0m (47.1%) | — | $1.14 (123.5%) |
| 2019 | — | $39.5m (16.0%) | $48.3m (-9.0%) | — | $1.32 (15.8%) |
| 2020 | — | $27.8m (-29.5%) | $22.1m (-54.3%) | — | $0.94 (-28.8%) |
| 2021 | — | $20.0m (-28.0%) | $29.0m (31.5%) | — | $0.66 (-29.8%) |
| 2022 | — | $67.4m (236.3%) | $93.0m (220.6%) | — | $1.51 (128.8%) |
| 2023 | — | $91.7m (36.1%) | $104.0m (11.8%) | — | $2.05 (35.8%) |
| 2024 | — | $85.3m (-7.0%) | $120.7m (16.1%) | — | $1.90 (-7.3%) |
| 2025 | — | $80.3m (-5.8%) | $117.8m (-2.5%) | — | $1.64 (-13.7%) |
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.