Discounted Cash Flow
United Community Banks 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 | $404.3m | $100.7m | $121.3m | 24.9% | $1.40 |
| 2017 | $440.4m (8.9%) | $67.8m (-32.6%) | $185.8m (53.1%) | 15.4% (-38.2%) | $0.92 (-34.3%) |
| 2018 | $36.0m (-91.8%) | $166.1m (144.9%) | $252.4m (35.9%) | 461.5% (2896.8%) | $2.07 (125.0%) |
| 2019 | $561.0m (1458.3%) | $185.7m (11.8%) | $133.0m (-47.3%) | 33.1% (-92.8%) | $2.31 (11.6%) |
| 2020 | $577.4m (2.9%) | $164.1m (-11.6%) | $140.2m (5.4%) | 28.4% (-14.2%) | $1.91 (-17.3%) |
| 2021 | $744.4m (28.9%) | $269.8m (64.4%) | $332.8m (137.4%) | 36.2% (27.5%) | $2.97 (55.5%) |
| 2022 | $826.2m (11.0%) | $277.5m (2.8%) | $564.6m (69.6%) | 33.6% (-7.3%) | $2.52 (-15.2%) |
| 2023 | $803.8m (-2.7%) | $187.5m (-32.4%) | $221.5m (-60.8%) | 23.3% (-30.5%) | $1.54 (-38.9%) |
| 2024 | $901.2m (12.1%) | $252.4m (34.6%) | $302.7m (36.7%) | 28.0% (20.0%) | $2.04 (32.5%) |
| 2025 | $1.1b (18.0%) | $328.1m (30.0%) | $356.5m (17.8%) | 30.9% (10.2%) | $2.62 (28.4%) |
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.