Discounted Cash Flow
Waterstone Financial, 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 | — | $25.5m | $-25.1m | — | $0.94 |
| 2017 | — | $26.0m (1.7%) | $105.5m (519.6%) | — | $0.95 (1.1%) |
| 2018 | — | $30.8m (18.4%) | $39.0m (-63.1%) | — | $1.12 (17.9%) |
| 2019 | — | $35.9m (16.7%) | $-43.3m (-211.2%) | — | $1.38 (23.2%) |
| 2020 | — | $81.1m (126.0%) | $-101.8m (-134.9%) | — | $3.32 (140.6%) |
| 2021 | — | $70.8m (-12.8%) | $153.7m (251.0%) | — | $2.98 (-10.2%) |
| 2022 | — | $19.5m (-72.5%) | $206.0m (34.0%) | — | $0.89 (-70.1%) |
| 2023 | — | $9.4m (-51.9%) | $-28.3m (-113.7%) | — | $0.47 (-47.2%) |
| 2024 | — | $18.7m (99.3%) | $47.0m (266.1%) | — | $1.01 (114.9%) |
| 2025 | — | $26.4m (41.3%) | $23.0m (-51.0%) | — | $1.48 (46.5%) |
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.