Discounted Cash Flow
Unity Bancorp Inc. /Nj/
—
—
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 | $47.0m | $13.2m | $-807.0k | 28.1% | $1.40 |
| 2017 | $55.3m (17.6%) | $12.9m (-2.4%) | $12.9m (1703.5%) | 23.3% (-17.0%) | $1.22 (-12.9%) |
| 2018 | $67.3m (21.6%) | $21.9m (70.0%) | $37.1m (186.6%) | 32.6% (39.8%) | $2.04 (67.2%) |
| 2019 | $75.6m (12.5%) | $23.7m (7.9%) | $32.5m (-12.4%) | 31.3% (-4.1%) | $2.18 (6.9%) |
| 2020 | $78.9m (4.3%) | $23.6m (-0.0%) | $33.2m (2.1%) | 30.0% (-4.2%) | $2.21 (1.4%) |
| 2021 | $84.8m (7.4%) | $36.1m (52.8%) | $22.2m (-33.1%) | 42.6% (42.2%) | $3.47 (57.0%) |
| 2022 | $100.7m (18.8%) | $38.5m (6.5%) | $41.2m (85.7%) | 38.2% (-10.4%) | $3.66 (5.5%) |
| 2023 | $143.5m (42.4%) | $39.7m (3.3%) | $46.0m (11.6%) | 27.7% (-27.5%) | $3.89 (6.3%) |
| 2024 | $155.7m (8.5%) | $41.5m (4.4%) | $47.3m (2.9%) | 26.6% (-3.8%) | $4.13 (6.2%) |
| 2025 | $173.6m (11.5%) | $58.0m (39.8%) | $44.3m (-6.2%) | 33.4% (25.4%) | $5.78 (40.0%) |
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.