Discounted Cash Flow
Westamerica Bancorporation
—
—
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 | — | $58.9m | $75.8m | — | $2.30 |
| 2017 | — | $50.0m (-15.0%) | $78.0m (2.9%) | — | $1.90 (-17.4%) |
| 2018 | — | $71.6m (43.1%) | $93.5m (19.8%) | — | $2.69 (41.6%) |
| 2019 | — | $80.4m (12.3%) | $76.7m (-18.0%) | — | $2.98 (10.8%) |
| 2020 | — | $80.4m (0.0%) | $105.5m (37.6%) | — | $2.98 (0.0%) |
| 2021 | — | $86.5m (7.6%) | $87.4m (-17.2%) | — | $3.22 (8.1%) |
| 2022 | — | $122.0m (41.1%) | $112.9m (29.1%) | — | $4.54 (41.0%) |
| 2023 | — | $161.8m (32.6%) | $157.0m (39.1%) | — | $6.06 (33.5%) |
| 2024 | — | $138.6m (-14.3%) | $139.8m (-11.0%) | — | $5.20 (-14.2%) |
| 2025 | — | $116.2m (-16.2%) | $119.7m (-14.4%) | — | $4.52 (-13.1%) |
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.