Discounted Cash Flow
Trustco Bank Corp. N Y
—
—
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 | $52.8m | — | $0.45 |
| 2017 | — | $43.1m (1.3%) | $58.1m (9.9%) | — | $0.45 (0.7%) |
| 2018 | — | $61.4m (42.4%) | $64.0m (10.2%) | — | $0.64 (41.9%) |
| 2019 | — | $57.8m (-5.9%) | $59.9m (-6.4%) | — | $0.60 (-6.3%) |
| 2020 | — | $52.5m (-9.3%) | $58.3m (-2.6%) | — | $0.54 (-8.9%) |
| 2021 | — | $61.5m (17.3%) | $52.5m (-9.9%) | — | $3.19 (487.1%) |
| 2022 | — | $75.2m (22.3%) | $74.8m (42.5%) | — | $3.93 (23.0%) |
| 2023 | — | $58.6m (-22.0%) | $58.5m (-21.9%) | — | $3.08 (-21.6%) |
| 2024 | — | $48.8m (-16.7%) | $54.6m (-6.7%) | — | $2.57 (-16.6%) |
| 2025 | — | $61.1m (25.2%) | $45.7m (-16.2%) | — | $3.26 (26.8%) |
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.