Discounted Cash Flow
United Bankshares Inc./Wv
—
—
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 | $495.4m | $147.1m | $159.5m | 29.7% | $2.00 |
| 2017 | $680.6m (37.4%) | $150.6m (2.4%) | $239.6m (50.2%) | 22.1% (-25.5%) | $1.54 (-23.0%) |
| 2018 | $717.4m (5.4%) | $256.3m (70.2%) | $286.8m (19.7%) | 35.7% (61.5%) | $2.46 (59.7%) |
| 2019 | $728.4m (1.5%) | $260.1m (1.5%) | $136.6m (-52.4%) | 35.7% (-0.1%) | $2.55 (3.7%) |
| 2020 | $1.0b (43.4%) | $289.0m (11.1%) | $121.4m (-11.1%) | 27.7% (-22.5%) | $2.40 (-5.9%) |
| 2021 | $1.0b (-2.3%) | $367.7m (27.2%) | $594.2m (389.3%) | 36.0% (30.2%) | $2.84 (18.3%) |
| 2022 | $1.0b (2.8%) | $379.6m (3.2%) | $744.0m (25.2%) | 36.2% (0.4%) | $2.81 (-1.1%) |
| 2023 | $1.1b (0.5%) | $366.3m (-3.5%) | $423.6m (-43.1%) | 34.7% (-4.0%) | $2.72 (-3.2%) |
| 2024 | $1.0b (-1.9%) | $373.0m (1.8%) | $433.3m (2.3%) | 36.0% (3.8%) | $2.76 (1.5%) |
| 2025 | $1.2b (19.6%) | $464.6m (24.6%) | $481.2m (11.0%) | 37.5% (4.2%) | $3.28 (18.8%) |
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.