Discounted Cash Flow
Tompkins Financial Corp.
—
—
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 | $249.4m | $59.3m | $74.8m | 23.8% | $3.94 |
| 2017 | $270.5m (8.4%) | $52.5m (-11.5%) | $50.8m (-32.1%) | 19.4% (-18.4%) | $3.46 (-12.2%) |
| 2018 | $66.0m (-75.6%) | $82.3m (56.8%) | $89.2m (75.6%) | 124.8% (543.0%) | $5.39 (55.8%) |
| 2019 | $67.6m (2.4%) | $81.7m (-0.7%) | $95.6m (7.2%) | 121.0% (-3.1%) | $5.39 (0.0%) |
| 2020 | $65.7m (-2.7%) | $77.6m (-5.1%) | $96.8m (1.3%) | 118.0% (-2.4%) | $5.22 (-3.2%) |
| 2021 | $72.6m (10.4%) | $89.3m (15.0%) | $116.4m (20.2%) | 123.0% (4.2%) | $6.08 (16.5%) |
| 2022 | $74.0m (1.9%) | $85.0m (-4.7%) | $95.2m (-18.3%) | 114.9% (-6.5%) | $5.92 (-2.6%) |
| 2023 | $75.0m (1.4%) | $9.5m (-88.8%) | $82.2m (-13.6%) | 12.7% (-89.0%) | $0.66 (-88.9%) |
| 2024 | $79.3m (5.7%) | $70.8m (645.4%) | $88.8m (7.9%) | 89.3% (605.0%) | $4.98 (654.5%) |
| 2025 | $75.7m (-4.5%) | $161.1m (127.3%) | $31.9m (-64.0%) | 212.7% (138.1%) | $11.30 (126.9%) |
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.