Discounted Cash Flow
South Plains Financial, 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) |
|---|---|---|---|---|---|
| 2018 | $118.1m | $29.3m | $23.8m | 24.8% | $1.98 |
| 2019 | $132.9m (12.6%) | $29.2m (-0.2%) | $26.5m (11.4%) | 22.0% (-11.4%) | $1.74 (-12.1%) |
| 2020 | $138.2m (4.0%) | $45.4m (55.2%) | $2.3m (-91.3%) | 32.8% (49.3%) | $2.51 (44.3%) |
| 2021 | $135.0m (-2.3%) | $58.6m (29.2%) | $93.4m (3929.0%) | 43.4% (32.3%) | $3.26 (29.9%) |
| 2022 | $161.2m (19.4%) | $58.2m (-0.6%) | $119.1m (27.6%) | 36.1% (-16.7%) | $3.35 (2.8%) |
| 2023 | $212.0m (31.6%) | $62.7m (7.7%) | $53.9m (-54.8%) | 29.6% (-18.1%) | $3.73 (11.3%) |
| 2024 | $240.9m (13.6%) | $49.7m (-20.8%) | $56.0m (4.0%) | 20.6% (-30.3%) | $3.03 (-18.8%) |
| 2025 | $252.0m (4.6%) | $58.5m (17.6%) | $71.8m (28.2%) | 23.2% (12.4%) | $3.59 (18.5%) |
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.