Discounted Cash Flow
Southern First Bancshares Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
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 | $45.1m | $13.0m | $11.7m | 28.9% | $2.06 |
| 2017 | $61.2m (35.6%) | $13.0m (0.1%) | $11.8m (1.3%) | 21.3% (-26.2%) | $1.86 (-9.7%) |
| 2018 | $76.7m (25.2%) | $22.3m (70.9%) | $29.8m (151.9%) | 29.1% (36.4%) | $3.02 (62.4%) |
| 2019 | $92.7m (20.9%) | $27.9m (25.0%) | $9.9m (-66.9%) | 30.1% (3.4%) | $3.70 (22.5%) |
| 2020 | $94.8m (2.3%) | $18.3m (-34.2%) | $13.3m (35.4%) | 19.3% (-35.7%) | $2.37 (-35.9%) |
| 2021 | $93.2m (-1.7%) | $46.7m (154.9%) | $51.6m (286.4%) | 50.1% (159.4%) | $5.96 (151.5%) |
| 2022 | $117.7m (26.3%) | $29.1m (-37.7%) | $36.4m (-29.5%) | 24.7% (-50.6%) | $3.66 (-38.6%) |
| 2023 | $177.6m (50.9%) | $13.4m (-53.9%) | $16.4m (-54.9%) | 7.6% (-69.4%) | $1.67 (-54.4%) |
| 2024 | $201.2m (13.3%) | $15.5m (15.7%) | $24.8m (51.0%) | 7.7% (2.1%) | $1.92 (15.0%) |
| 2025 | $211.5m (5.1%) | $30.4m (95.5%) | $29.9m (20.6%) | 14.4% (86.0%) | $3.75 (95.3%) |
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.