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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 10.9x - 12.0x | 11.4x |
| Selected Fwd P/E Multiple | 8.9x - 9.8x | 9.3x |
| Fair Value | $43.39 - $47.96 | $45.68 |
| Upside | 1.1% - 11.7% | 6.4% |
| Benchmarks | - | Full Ticker |
| Regions Financial Corporation | - | NYSE:RF |
| MetroCity Bankshares, Inc. | - | NasdaqGS:MCBS |
| U.S. Bancorp | - | NYSE:USB |
| First Interstate BancSystem, Inc. | - | NasdaqGS:FIBK |
| M&T Bank Corporation | - | NYSE:MTB |
| Cathay General Bancorp | - | NasdaqGS:CATY |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| RF | MCBS | USB | FIBK | MTB | CATY | |||
| NYSE:RF | NasdaqGS:MCBS | NYSE:USB | NasdaqGS:FIBK | NYSE:MTB | NasdaqGS:CATY | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 3.4% | 7.6% | -2.1% | 4.5% | 5.8% | 0.5% | ||
| 3Y CAGR | -9.6% | 1.5% | -8.1% | 5.6% | 11.3% | -1.4% | ||
| Latest Twelve Months | 9.5% | 31.0% | 35.0% | -16.1% | 1.1% | -13.8% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 29.7% | 44.3% | 26.7% | 25.2% | 28.7% | 44.1% | ||
| Prior Fiscal Year | 28.1% | 43.1% | 19.6% | 25.9% | 29.3% | 45.2% | ||
| Latest Fiscal Year | 26.9% | 45.8% | 23.5% | 24.3% | 28.3% | 41.3% | ||
| Latest Twelve Months | 28.5% | 46.0% | 24.9% | 23.4% | 28.4% | 41.1% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 2.9x | 5.1x | 2.6x | 3.1x | 3.2x | 4.4x | ||
| LTM P/E Ratio | 10.0x | 11.0x | 10.4x | 13.0x | 11.4x | 10.6x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 10.0x | 11.0x | 13.0x | |||||
| Historical LTM P/E Ratio | 8.8x | 11.3x | 11.8x | |||||
| Selected P/E Multiple | 10.9x | 11.4x | 12.0x | |||||
| (x) LTM Net Income | 284 | 284 | 284 | |||||
| (=) Equity Value | 3,089 | 3,252 | 3,414 | |||||
| (/) Shares Outstanding | 70.0 | 70.0 | 70.0 | |||||
| Implied Value Range | 44.11 | 46.43 | 48.75 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 44.11 | 46.43 | 48.75 | 42.94 | ||||
| Upside / (Downside) | 2.7% | 8.1% | 13.5% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | RF | MCBS | USB | FIBK | MTB | CATY | |
| Value of Common Equity | 19,023 | 726 | 65,468 | 2,829 | 28,435 | 3,007 | |
| (/) Shares Outstanding | 899.0 | 25.4 | 1,558.0 | 104.9 | 160.5 | 70.0 | |
| Implied Stock Price | 21.16 | 28.59 | 42.02 | 26.97 | 177.15 | 42.94 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 21.16 | 28.59 | 42.02 | 26.97 | 177.15 | 42.94 | |
| 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 | |