Discounted Cash Flow
Provident Financial Services 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 | $258.6m | $87.8m | $122.3m | 34.0% | $1.38 |
| 2017 | $278.2m (7.6%) | $93.9m (7.0%) | $114.0m (-6.8%) | 33.8% (-0.6%) | $1.46 (5.8%) |
| 2018 | $37.3m (-86.6%) | $118.4m (26.0%) | $152.6m (33.8%) | 317.5% (840.3%) | $1.82 (24.7%) |
| 2019 | $41.4m (10.9%) | $112.6m (-4.9%) | $132.0m (-13.4%) | 272.4% (-14.2%) | $1.74 (-4.4%) |
| 2020 | $45.5m (10.1%) | $97.0m (-13.9%) | $94.1m (-28.7%) | 212.9% (-21.8%) | $1.39 (-20.1%) |
| 2021 | $86.8m (90.7%) | $167.9m (73.2%) | $144.4m (53.5%) | 193.4% (-9.2%) | $2.20 (58.3%) |
| 2022 | $87.8m (1.1%) | $175.6m (4.6%) | $190.9m (32.2%) | 200.1% (3.4%) | $2.35 (6.8%) |
| 2023 | $79.8m (-9.1%) | $128.4m (-26.9%) | $165.9m (-13.1%) | 160.8% (-19.6%) | $1.72 (-26.8%) |
| 2024 | $94.1m (17.9%) | $115.5m (-10.0%) | $425.1m (156.2%) | 122.8% (-23.7%) | $1.05 (-39.0%) |
| 2025 | $109.8m (16.7%) | $291.2m (152.0%) | $430.7m (1.3%) | 265.1% (116.0%) | $2.23 (112.4%) |
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.