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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Ps Multiple | 2.4x - 2.7x | 2.6x |
| Selected Fwd Ps Multiple | 1.9x - 2.1x | 2.0x |
| Fair Value | $9.45 - $10.44 | $9.94 |
| Upside | -27.3% - -19.6% | -23.5% |
| Benchmarks | Ticker | Full Ticker |
|---|---|---|
| Security Federal Corporation | - | OTCPK:SFDL |
| Orrstown Financial Services, Inc. | - | NasdaqCM:ORRF |
| ESSA Bancorp, Inc. | - | NasdaqGS:ESSA |
| First Financial Northwest, Inc. | - | NasdaqGS:FFNW |
| Chemung Financial Corporation | - | NasdaqGS:CHMG |
| BankFinancial Corporation | - | NasdaqGS:BFIN |
| Select Price / LTM Sales Ratio | ||||||||
| Benchmark Companies | ||||||||
| SFDL | ORRF | ESSA | FFNW | CHMG | BFIN | |||
| OTCPK:SFDL | NasdaqCM:ORRF | NasdaqGS:ESSA | NasdaqGS:FFNW | NasdaqGS:CHMG | NasdaqGS:BFIN | |||
| Historical Sales Growth | ||||||||
| 5Y CAGR | 6.4% | 12.7% | 5.0% | -2.8% | 5.4% | -2.0% | ||
| 3Y CAGR | 1.6% | 15.3% | 3.2% | -8.1% | 2.9% | -1.0% | ||
| Latest Twelve Months | 4.8% | 36.7% | -1.6% | -13.6% | 1.7% | -12.0% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 21.3% | 23.0% | 26.6% | 19.0% | 26.6% | 16.9% | ||
| Prior Fiscal Year | 21.1% | 27.7% | 27.0% | 14.4% | 26.1% | 16.8% | ||
| Latest Fiscal Year | 17.5% | 12.5% | 25.0% | 2.9% | 24.3% | 8.3% | ||
| Latest Twelve Months | 17.5% | 12.5% | 24.6% | 2.9% | 24.3% | 8.3% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 1.9x | 3.4x | 2.8x | 5.6x | 2.3x | 3.3x | ||
| LTM P/E Ratio | 10.7x | 26.8x | 11.5x | 194.9x | 9.5x | 39.7x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/S Ratio | 1.9x | 2.8x | 5.6x | |||||
| Historical LTM P/S Ratio | 2.3x | 2.6x | 3.3x | |||||
| Selected Price / Sales Multiple | 2.4x | 2.6x | 2.7x | |||||
| (x) LTM Sales | 49 | 49 | 49 | |||||
| (=) Equity Value | 120 | 126 | 133 | |||||
| (/) Shares Outstanding | 12.5 | 12.5 | 12.5 | |||||
| Implied Value Range | 9.63 | 10.13 | 10.64 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 9.63 | 10.13 | 10.64 | 12.99 | ||||
| Upside / (Downside) | -25.9% | -22.0% | -18.1% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | SFDL | ORRF | ESSA | FFNW | CHMG | BFIN | |
| Value of Common Equity | 95 | 591 | 191 | 209 | 225 | 162 | |
| (/) Shares Outstanding | 3.2 | 19.4 | 10.1 | 9.2 | 4.8 | 12.5 | |
| Implied Stock Price | 29.75 | 30.50 | 18.88 | 22.64 | 46.91 | 12.99 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 29.75 | 30.50 | 18.88 | 22.64 | 46.91 | 12.99 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |