Discounted Cash Flow
S&t 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 | — | $71.4m | $93.2m | — | $2.06 |
| 2017 | — | $73.0m (2.2%) | $109.5m (17.5%) | — | $2.10 (1.9%) |
| 2018 | — | $105.3m (44.4%) | $123.8m (13.1%) | — | $3.03 (44.3%) |
| 2019 | — | $98.2m (-6.7%) | $133.3m (7.6%) | — | $2.84 (-6.3%) |
| 2020 | — | $21.0m (-78.6%) | $48.0m (-64.0%) | — | $0.54 (-81.0%) |
| 2021 | — | $110.3m (424.4%) | $212.5m (342.4%) | — | $2.81 (420.4%) |
| 2022 | — | $135.5m (22.8%) | $236.6m (11.3%) | — | $3.47 (23.5%) |
| 2023 | — | $144.8m (6.8%) | $165.5m (-30.0%) | — | $3.76 (8.4%) |
| 2024 | — | $131.3m (-9.3%) | $170.4m (2.9%) | — | $3.43 (-8.8%) |
| 2025 | — | $134.2m (2.3%) | $128.8m (-24.4%) | — | $3.51 (2.3%) |
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.