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Metrics | Range | Conclusion |
---|---|---|
Selected LTM P/E Multiple | 9.2x - 10.1x | 9.7x |
Selected Fwd P/E Multiple | 8.0x - 8.9x | 8.4x |
Fair Value | $67.63 - $74.75 | $71.19 |
Upside | -21.1% - -12.8% | -17.0% |
Benchmarks | - | Full Ticker |
Customers Bancorp, Inc. | - | NYSE:CUBI |
HomeStreet, Inc. | - | NasdaqGS:HMST |
First Northern Community Bancorp | - | OTCPK:FNRN |
BankUnited, Inc. | - | NYSE:BKU |
Ameris Bancorp | - | NYSE:ABCB |
Axos Financial, Inc. | - | NYSE:AX |
- | - | - |
Select Price / LTM EPS Ratio | ||||||||
Benchmark Companies | ||||||||
CUBI | HMST | FNRN | BKU | ABCB | AX | |||
NYSE:CUBI | NasdaqGS:HMST | OTCPK:FNRN | NYSE:BKU | NYSE:ABCB | NYSE:AX | |||
Historical Net Income Growth | ||||||||
5Y CAGR | 20.0% | NM- | 6.4% | -5.3% | 17.3% | 23.8% | ||
3Y CAGR | -21.2% | NM- | 12.2% | -17.7% | -1.6% | 27.8% | ||
Latest Twelve Months | -43.7% | -252.7% | -4.5% | 40.2% | 31.6% | -1.2% | ||
Historical Net Income Profit Margin | ||||||||
5 Year Average Margin | 35.6% | -6.1% | 26.5% | 29.9% | 31.6% | 36.3% | ||
Prior Fiscal Year | 34.5% | -13.2% | 30.0% | 20.1% | 28.7% | 34.9% | ||
Latest Fiscal Year | 25.9% | -190.7% | 28.4% | 23.8% | 33.1% | 42.5% | ||
Latest Twelve Months | 22.0% | -180.1% | 27.8% | 24.6% | 33.8% | 36.1% | ||
Current Trading Multiples | ||||||||
EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
Price / LTM Sales | 3.3x | 3.3x | 2.4x | 3.1x | 4.1x | 4.1x | ||
LTM P/E Ratio | 15.2x | -1.8x | 8.6x | 12.5x | 12.3x | 11.3x | ||
Low | Mid | High | ||||||
Benchmark LTM P/E Ratio | -1.8x | 12.3x | 15.2x | |||||
Historical LTM P/E Ratio | 7.4x | 8.4x | 13.3x | |||||
Selected P/E Multiple | 9.2x | 9.7x | 10.1x | |||||
(x) LTM Net Income | 427 | 427 | 427 | |||||
(=) Equity Value | 3,920 | 4,127 | 4,333 | |||||
(/) Shares Outstanding | 56.4 | 56.4 | 56.4 | |||||
Implied Value Range | 69.54 | 73.20 | 76.86 | |||||
FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
Implied Value Range (Trading Cur) | 69.54 | 73.20 | 76.86 | 85.74 | ||||
Upside / (Downside) | -18.9% | -14.6% | -10.4% |
Equity Value | |||||||
Benchmark Companies | |||||||
(in millions) | CUBI | HMST | FNRN | BKU | ABCB | AX | |
Value of Common Equity | 1,976 | 257 | 167 | 2,975 | 4,563 | 4,833 | |
(/) Shares Outstanding | 31.6 | 18.9 | 15.9 | 75.2 | 68.6 | 56.4 | |
Implied Stock Price | 62.55 | 13.60 | 10.50 | 39.55 | 66.47 | 85.74 | |
FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
Implied Stock Price (Trading Cur) | 62.55 | 13.60 | 10.50 | 39.55 | 66.47 | 85.74 | |
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 |