Discounted Cash Flow
Trico Bancshares /
—
—
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 | $212.6m | $44.8m | $37.3m | 21.1% | $1.96 |
| 2017 | $224.1m (5.4%) | $40.6m (-9.5%) | $40.2m (7.8%) | 18.1% (-14.1%) | $1.77 (-9.7%) |
| 2018 | $264.4m (18.0%) | $68.3m (68.5%) | $83.6m (108.0%) | 25.8% (42.8%) | $2.57 (45.2%) |
| 2019 | $310.6m (17.5%) | $92.1m (34.8%) | $98.5m (17.8%) | 29.6% (14.7%) | $3.02 (17.5%) |
| 2020 | $312.9m (0.8%) | $64.8m (-29.6%) | $112.0m (13.7%) | 20.7% (-30.1%) | $2.17 (-28.1%) |
| 2021 | $335.2m (7.1%) | $117.7m (81.5%) | $129.0m (15.2%) | 35.1% (69.5%) | $3.96 (82.5%) |
| 2022 | $409.0m (22.0%) | $125.4m (6.6%) | $159.3m (23.5%) | 30.7% (-12.6%) | $3.85 (-2.8%) |
| 2023 | $418.1m (2.2%) | $117.4m (-6.4%) | $134.0m (-15.9%) | 28.1% (-8.4%) | $3.53 (-8.3%) |
| 2024 | $395.8m (-5.3%) | $114.9m (-2.1%) | $105.2m (-21.5%) | 29.0% (3.3%) | $3.47 (-1.7%) |
| 2025 | $419.2m (5.9%) | $121.6m (5.8%) | $127.9m (21.7%) | 29.0% (-0.1%) | $3.72 (7.2%) |
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.