Discounted Cash Flow
Southside Bancshares 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 | — | $49.3m | $80.2m | — | $1.86 |
| 2017 | — | $54.3m (10.1%) | $82.1m (2.4%) | — | $1.82 (-2.2%) |
| 2018 | — | $74.1m (36.5%) | $109.0m (32.7%) | — | $2.12 (16.5%) |
| 2019 | — | $74.6m (0.6%) | $64.7m (-40.6%) | — | $2.21 (4.2%) |
| 2020 | — | $82.2m (10.2%) | $79.1m (22.2%) | — | $2.47 (11.8%) |
| 2021 | — | $113.4m (38.0%) | $147.7m (86.8%) | — | $3.48 (40.9%) |
| 2022 | — | $105.0m (-7.4%) | $217.2m (47.0%) | — | $3.27 (-6.0%) |
| 2023 | — | $86.7m (-17.5%) | $73.0m (-66.4%) | — | $2.82 (-13.8%) |
| 2024 | — | $88.5m (2.1%) | $90.7m (24.3%) | — | $2.92 (3.5%) |
| 2025 | — | $69.2m (-21.8%) | $73.5m (-19.0%) | — | $2.30 (-21.2%) |
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.