Discounted Cash Flow
Southern Missouri Bancorp, 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 | $56.3m | $14.8m | $7.8m | 26.4% | $1.99 |
| 2017 | $61.5m (9.2%) | $15.6m (4.7%) | $22.6m (187.7%) | 25.3% (-4.1%) | $2.08 (4.5%) |
| 2018 | $77.2m (25.5%) | $20.9m (34.6%) | $28.5m (26.2%) | 27.1% (7.2%) | $2.40 (15.4%) |
| 2019 | $97.5m (26.3%) | $28.9m (38.1%) | $30.9m (8.4%) | 29.7% (9.3%) | $3.14 (30.8%) |
| 2020 | $107.1m (9.8%) | $27.5m (-4.7%) | $36.0m (16.5%) | 25.7% (-13.2%) | $3.00 (-4.5%) |
| 2021 | $109.5m (2.3%) | $47.2m (71.3%) | $48.9m (35.9%) | 43.1% (67.5%) | $5.22 (74.0%) |
| 2022 | $116.9m (6.8%) | $47.2m (-0.0%) | $62.7m (28.3%) | 40.4% (-6.3%) | $5.22 (0.0%) |
| 2023 | $176.4m (51.0%) | $39.2m (-16.8%) | $56.0m (-10.7%) | 22.2% (-44.9%) | $3.86 (-26.1%) |
| 2024 | $248.4m (40.8%) | $50.2m (27.9%) | $61.2m (9.4%) | 20.2% (-9.2%) | $4.42 (14.5%) |
| 2025 | $277.4m (11.7%) | $58.6m (16.7%) | $75.3m (23.0%) | 21.1% (4.5%) | $5.19 (17.4%) |
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.