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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 9.2x - 10.2x | 9.7x |
| Selected Fwd P/E Multiple | 7.0x - 7.7x | 7.4x |
| Fair Value | $16.35 - $18.07 | $17.21 |
| Upside | -11.6% - -2.3% | -7.0% |
| Benchmarks | - | Full Ticker |
| German American Bancorp, Inc. | - | NasdaqGS:GABC |
| Lakeland Financial Corporation | - | NasdaqGS:LKFN |
| OP Bancorp | - | NasdaqGM:OPBK |
| Parke Bancorp, Inc. | - | NasdaqCM:PKBK |
| QCR Holdings, Inc. | - | NasdaqGM:QCRH |
| PCB Bancorp | - | NasdaqGS:PCB |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| GABC | LKFN | OPBK | PKBK | QCRH | PCB | |||
| NasdaqGS:GABC | NasdaqGS:LKFN | NasdaqGM:OPBK | NasdaqCM:PKBK | NasdaqGM:QCRH | NasdaqGS:PCB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 7.2% | 1.4% | 5.2% | -1.6% | 14.7% | 0.7% | ||
| 3Y CAGR | -0.1% | -0.8% | -9.6% | -12.3% | 4.8% | -14.5% | ||
| Latest Twelve Months | -2.4% | -0.3% | -10.1% | -3.3% | 0.3% | -18.6% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 33.6% | 42.1% | 31.6% | 47.9% | 32.0% | 31.6% | ||
| Prior Fiscal Year | 34.6% | 38.9% | 28.9% | 39.0% | 33.7% | 30.8% | ||
| Latest Fiscal Year | 33.5% | 39.5% | 26.6% | 44.1% | 34.5% | 25.9% | ||
| Latest Twelve Months | 33.5% | 39.5% | 26.6% | 44.1% | 34.5% | 25.9% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 5.6x | 6.5x | 2.2x | 3.6x | 3.7x | 2.7x | ||
| LTM P/E Ratio | 16.7x | 16.5x | 8.3x | 8.1x | 10.7x | 10.6x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 8.1x | 10.7x | 16.7x | |||||
| Historical LTM P/E Ratio | 7.1x | 9.3x | 10.7x | |||||
| Selected P/E Multiple | 9.2x | 9.7x | 10.2x | |||||
| (x) LTM Net Income | 25 | 25 | 25 | |||||
| (=) Equity Value | 230 | 242 | 254 | |||||
| (/) Shares Outstanding | 14.3 | 14.3 | 14.3 | |||||
| Implied Value Range | 16.09 | 16.94 | 17.79 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 16.09 | 16.94 | 17.79 | 18.50 | ||||
| Upside / (Downside) | -13.0% | -8.4% | -3.9% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | GABC | LKFN | OPBK | PKBK | QCRH | PCB | |
| Value of Common Equity | 1,402 | 1,539 | 176 | 223 | 1,214 | 264 | |
| (/) Shares Outstanding | 37.4 | 26.0 | 14.8 | 11.8 | 16.9 | 14.3 | |
| Implied Stock Price | 37.47 | 59.15 | 11.86 | 18.81 | 71.81 | 18.50 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 37.47 | 59.15 | 11.86 | 18.81 | 71.81 | 18.50 | |
| 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 | |