Discounted Cash Flow
Peapack Gladstone Financial Corp.
—
—
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 | $125.4m | $26.5m | $39.7m | 21.1% | $1.62 |
| 2017 | $145.8m (16.3%) | $36.5m (37.8%) | $53.6m (34.9%) | 25.0% (18.5%) | $2.06 (27.2%) |
| 2018 | $159.4m (9.3%) | $44.2m (21.0%) | $63.2m (18.0%) | 27.7% (10.7%) | $2.33 (13.1%) |
| 2019 | $175.0m (9.8%) | $47.4m (7.4%) | $84.6m (33.9%) | 27.1% (-2.2%) | $2.46 (5.6%) |
| 2020 | $189.4m (8.2%) | $26.2m (-44.8%) | $33.6m (-60.2%) | 13.8% (-49.0%) | $1.39 (-43.5%) |
| 2021 | $210.3m (11.1%) | $56.6m (116.2%) | $71.5m (112.6%) | 26.9% (94.7%) | $3.01 (116.5%) |
| 2022 | $242.5m (15.3%) | $74.2m (31.1%) | $115.4m (61.3%) | 30.6% (13.7%) | $4.09 (35.9%) |
| 2023 | $229.7m (-5.3%) | $48.9m (-34.2%) | $66.8m (-42.1%) | 21.3% (-30.5%) | $2.74 (-33.0%) |
| 2024 | $228.1m (-0.7%) | $33.0m (-32.5%) | $63.0m (-5.7%) | 14.5% (-32.0%) | $1.87 (-31.8%) |
| 2025 | $283.0m (24.1%) | $37.3m (13.2%) | $28.8m (-54.3%) | 13.2% (-8.8%) | $2.12 (13.4%) |
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.