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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.1x - 1.2x | 1.2x |
| Historical Pb Multiple | 0.9x - 1.4x | 1.2x |
| Fair Value | $59.09 - $65.31 | $62.20 |
| Upside | -21.9% - -13.6% | -17.8% |
| Benchmarks | - | Full Ticker |
| Bar Harbor Bankshares | - | NYSEAM:BHB |
| Univest Financial Corporation | - | NasdaqGS:UVSP |
| Mid Penn Bancorp, Inc. | - | NasdaqGM:MPB |
| HomeTrust Bancshares, Inc. | - | NYSE:HTB |
| Community Trust Bancorp, Inc. | - | NasdaqGS:CTBI |
| Republic Bancorp, Inc. | - | NasdaqGS:RBCA.A |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| BHB | UVSP | MPB | HTB | CTBI | RBCA.A | |||
| NYSEAM:BHB | NasdaqGS:UVSP | NasdaqGM:MPB | NYSE:HTB | NasdaqGS:CTBI | NasdaqGS:RBCA.A | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 14.0% | 2.9% | 22.8% | 15.0% | 5.1% | 2.0% | ||
| 3Y CAGR | 3.5% | -6.1% | 19.0% | 51.7% | -2.0% | 5.0% | ||
| Latest Twelve Months | 4.1% | 10.9% | 33.3% | -16.6% | 18.1% | 27.1% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 27.8% | 26.9% | 26.5% | 22.2% | 35.8% | 30.4% | ||
| Prior Fiscal Year | 30.0% | 24.9% | 22.9% | 30.4% | 34.8% | 29.1% | ||
| Latest Fiscal Year | 29.3% | 25.9% | 27.8% | 28.1% | 34.9% | 30.7% | ||
| Latest Twelve Months | 29.1% | 26.5% | 28.1% | 27.7% | 36.0% | 32.9% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 9.7% | 9.6% | 9.3% | 8.1% | 11.8% | 10.8% | ||
| Prior Fiscal Year | 10.9% | 8.8% | 7.1% | 12.6% | 11.7% | 10.2% | ||
| Latest Twelve Months | 9.7% | 8.9% | 8.4% | 10.0% | 12.0% | 12.0% | ||
| Next Fiscal Year | 10.3% | 8.9% | 9.2% | 9.3% | 12.2% | 12.0% | ||
| Two Fiscal Years Forward | 11.5% | 8.8% | 10.8% | 8.7% | 11.7% | 10.4% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 3.2x | 3.1x | 3.1x | 3.5x | 4.1x | 4.1x | ||
| Price / LTM EPS | 11.1x | 11.8x | 11.0x | 12.6x | 11.2x | 12.5x | ||
| Price / Book | 1.0x | 1.0x | 0.8x | 1.2x | 1.3x | 1.4x | ||
| Price / Fwd Book | 1.0x | 1.0x | 0.8x | 1.1x | 1.3x | 1.4x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.8x | 1.0x | 1.3x | |||||
| Historical P/B Ratio | 0.9x | 1.2x | 1.4x | |||||
| Selected P/B Multiple | 1.1x | 1.2x | 1.2x | |||||
| (x) Book Value | 1,034 | 1,034 | 1,034 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BHB | UVSP | MPB | HTB | CTBI | RBCA.A | |
| Value of Common Equity | 483 | 922 | 562 | 679 | 1,028 | 1,477 | |
| (/) Shares Outstanding | 15.3 | 28.9 | 19.4 | 17.4 | 18.1 | 19.5 | |
| Implied Stock Price | 31.51 | 31.93 | 29.00 | 39.05 | 56.80 | 75.63 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 31.51 | 31.93 | 29.00 | 39.05 | 56.80 | 75.63 | |
| 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 | |