Discounted Cash Flow
Smartfinancial 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 | $42.6m | $5.8m | $4.6m | 13.6% | $0.82 |
| 2017 | $52.0m (22.2%) | $5.0m (-13.5%) | $3.8m (-16.4%) | 9.6% (-29.2%) | $0.56 (-31.7%) |
| 2018 | $92.2m (77.3%) | $18.1m (261.0%) | $17.0m (341.7%) | 19.6% (103.6%) | $1.46 (160.7%) |
| 2019 | $108.5m (17.6%) | $26.5m (46.7%) | $23.6m (39.0%) | 24.5% (24.7%) | $1.90 (30.1%) |
| 2020 | $117.6m (8.4%) | $24.3m (-8.3%) | $23.6m (0.1%) | 20.7% (-15.5%) | $1.63 (-14.2%) |
| 2021 | $125.2m (6.5%) | $34.8m (43.0%) | $43.8m (85.4%) | 27.8% (34.3%) | $2.23 (36.8%) |
| 2022 | $158.8m (26.8%) | $43.0m (23.7%) | $44.3m (1.1%) | 27.1% (-2.5%) | $2.57 (15.2%) |
| 2023 | $218.0m (37.3%) | $28.6m (-33.5%) | $33.4m (-24.5%) | 13.1% (-51.6%) | $1.70 (-33.9%) |
| 2024 | $251.1m (15.2%) | $36.1m (26.4%) | $46.3m (38.4%) | 14.4% (9.7%) | $2.16 (27.1%) |
| 2025 | $286.0m (13.9%) | $50.3m (39.3%) | $59.3m (28.2%) | 17.6% (22.3%) | $3.00 (38.9%) |
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.