Discounted Cash Flow
PCB Bancorp
—
—
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) |
|---|---|---|---|---|---|
| 2017 | $65.3m | $16.4m | $19.9m | 25.1% | $1.22 |
| 2018 | $83.7m (28.2%) | $24.3m (48.1%) | $29.5m (48.2%) | 29.0% (15.5%) | $1.69 (38.5%) |
| 2019 | $92.9m (11.0%) | $24.1m (-0.8%) | $29.4m (-0.5%) | 25.9% (-10.7%) | $1.52 (-10.1%) |
| 2020 | $79.8m (-14.2%) | $16.2m (-32.9%) | $15.3m (-48.0%) | 20.3% (-21.8%) | $1.05 (-30.9%) |
| 2021 | $81.5m (2.1%) | $40.1m (147.9%) | $-2.0m (-113.4%) | 49.2% (142.7%) | $2.66 (153.3%) |
| 2022 | $101.8m (24.9%) | $35.0m (-12.8%) | $51.8m (2631.2%) | 34.4% (-30.1%) | $2.35 (-11.7%) |
| 2023 | $151.2m (48.6%) | $30.7m (-12.2%) | $62.0m (19.7%) | 20.3% (-40.9%) | $2.14 (-8.9%) |
| 2024 | $180.8m (19.6%) | $25.8m (-15.9%) | $34.9m (-43.7%) | 14.3% (-29.7%) | $1.75 (-18.2%) |
| 2025 | $197.5m (9.2%) | $37.5m (45.1%) | $24.4m (-30.1%) | 19.0% (32.8%) | $2.59 (48.0%) |
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.