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Metrics | Range | Conclusion |
---|---|---|
Selected LTM Pb Multiple | 0.8x - 0.9x | 0.9x |
Historical Pb Multiple | 0.8x - 1.3x | 0.9x |
Fair Value | €8.83 - €9.76 | €9.30 |
Upside | 9.7% - 21.3% | 15.5% |
Benchmarks | - | Full Ticker |
Pathward Financial, Inc. | - | NasdaqGS:CASH |
The PNC Financial Services Group, Inc. | - | NYSE:PNC |
WSFS Financial Corporation | - | NasdaqGS:WSFS |
Independent Bank Corp. | - | NasdaqGS:INDB |
Pacific Premier Bancorp, Inc. | - | NasdaqGS:PPBI |
Valley National Bancorp | - | DB:VNB |
Select Price / Book Ratio | ||||||||
Benchmark Companies | ||||||||
CASH | PNC | WSFS | INDB | PPBI | VNB | |||
NasdaqGS:CASH | NYSE:PNC | NasdaqGS:WSFS | NasdaqGS:INDB | NasdaqGS:PPBI | DB:VNB | |||
Historical Net Income Growth | ||||||||
5Y CAGR | 12.0% | 5.1% | 12.1% | 3.1% | -0.3% | 3.9% | ||
3Y CAGR | 6.3% | 0.5% | -1.0% | 16.7% | -22.6% | -8.0% | ||
Latest Twelve Months | 4.6% | 18.6% | -3.2% | -16.5% | 990.9% | -15.3% | ||
Historical Net Income Profit Margin | ||||||||
5 Year Average Margin | 26.4% | 34.2% | 28.1% | 31.2% | 23.8% | 30.3% | ||
Prior Fiscal Year | 25.0% | 24.7% | 29.0% | 33.8% | 6.5% | 26.5% | ||
Latest Fiscal Year | 23.5% | 26.5% | 26.8% | 29.4% | 25.6% | 23.6% | ||
Latest Twelve Months | 24.6% | 26.9% | 26.7% | 28.9% | 24.5% | 24.1% | ||
Return on Equity | ||||||||
5 Year Average Margin | 19.2% | 10.6% | 10.6% | 7.8% | 6.3% | 8.3% | ||
Prior Fiscal Year | 24.9% | 12.1% | 11.5% | 8.3% | 1.0% | 7.6% | ||
Latest Twelve Months | 22.9% | 11.8% | 10.3% | 6.4% | 4.9% | 5.4% | ||
Next Fiscal Year | 18.2% | 11.9% | 10.1% | 7.9% | 4.6% | 7.3% | ||
Two Fiscal Years Forward | 16.9% | 12.5% | 10.0% | 10.8% | 5.1% | 8.4% | ||
Current Trading Multiples | ||||||||
Price / LTM Sales | 2.7x | 3.7x | 3.4x | 5.1x | 3.8x | 3.6x | ||
Price / LTM EPS | 10.8x | 13.8x | 12.7x | 17.8x | 15.5x | 14.8x | ||
Price / Book | 2.3x | 1.5x | 1.3x | 1.1x | 0.8x | 0.8x | ||
Price / Fwd Book | 1.9x | 1.5x | 1.2x | 1.1x | 0.8x | 0.7x | ||
Low | Mid | High | ||||||
Benchmark P/B Ratio | 0.8x | 1.3x | 2.3x | |||||
Historical P/B Ratio | 0.8x | 0.9x | 1.3x | |||||
Selected P/B Multiple | 0.8x | 0.9x | 0.9x | |||||
(x) Book Value | 7,146 | 7,146 | 7,146 |
Equity Value | |||||||
Benchmark Companies | |||||||
(in millions) | CASH | PNC | WSFS | INDB | PPBI | VNB | |
Value of Common Equity | 1,949 | 77,757 | 3,354 | 3,354 | 2,242 | 5,311 | |
(/) Shares Outstanding | 23.6 | 395.6 | 56.8 | 50.1 | 97.1 | 560.3 | |
Implied Stock Price | 82.73 | 196.57 | 59.07 | 66.94 | 23.10 | 9.48 | |
FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.18 | |
Implied Stock Price (Trading Cur) | 82.73 | 196.57 | 59.07 | 66.94 | 23.10 | 8.05 | |
Trading Currency | USD | USD | USD | USD | USD | EUR | |
FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.18 |