Looks like there`s been an error while trying to load this page.
Our team has been notified but please contact us using the email support widget if the problem persists.
| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.1x - 1.2x | 1.1x |
| Historical Pb Multiple | 0.8x - 1.2x | 1.0x |
| Fair Value | $34.22 - $37.82 | $36.02 |
| Upside | -9.7% - -0.2% | -5.0% |
| Benchmarks | - | Full Ticker |
| First Financial Bankshares, Inc. | - | NasdaqGS:FFIN |
| ACNB Corporation | - | NasdaqCM:ACNB |
| First Merchants Corporation | - | NasdaqGS:FRME |
| Bar Harbor Bankshares | - | NYSEAM:BHB |
| Peoples Bancorp of North Carolina, Inc. | - | NasdaqGM:PEBK |
| HomeTrust Bancshares, Inc. | - | NYSE:HTB |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| FFIN | ACNB | FRME | BHB | PEBK | HTB | |||
| NasdaqGS:FFIN | NasdaqCM:ACNB | NasdaqGS:FRME | NYSEAM:BHB | NasdaqGM:PEBK | NYSE:HTB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 6.3% | 6.1% | 3.9% | 14.0% | 3.1% | 15.0% | ||
| 3Y CAGR | -0.6% | 4.6% | -1.0% | 3.5% | 2.6% | 51.7% | ||
| Latest Twelve Months | 15.8% | -15.7% | 0.6% | 4.1% | 2.6% | -16.6% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 43.2% | 28.8% | 35.6% | 27.8% | 20.4% | 22.2% | ||
| Prior Fiscal Year | 41.4% | 29.9% | 34.3% | 30.0% | 20.4% | 30.4% | ||
| Latest Fiscal Year | 41.6% | 28.7% | 32.7% | 29.3% | 19.9% | 28.1% | ||
| Latest Twelve Months | 41.8% | 21.9% | 33.6% | 29.1% | 20.2% | 27.7% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 14.6% | 11.2% | 10.1% | 9.7% | 11.9% | 8.1% | ||
| Prior Fiscal Year | 14.4% | 12.1% | 10.5% | 10.9% | 13.7% | 12.6% | ||
| Latest Twelve Months | 14.6% | 7.4% | 9.2% | 9.7% | 12.9% | 10.0% | ||
| Next Fiscal Year | 15.3% | 14.1% | 9.5% | 10.3% | #NUM! | 9.3% | ||
| Two Fiscal Years Forward | 14.6% | 13.8% | 9.5% | 11.5% | 13.1% | 8.7% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 9.2x | 3.9x | 3.8x | 3.1x | 1.8x | 3.4x | ||
| Price / LTM EPS | 22.0x | 17.9x | 11.3x | 10.8x | 9.1x | 12.3x | ||
| Price / Book | 3.0x | 1.1x | 1.0x | 1.0x | 1.1x | 1.2x | ||
| Price / Fwd Book | 2.9x | 1.3x | 1.0x | 1.0x | 1.2x | 1.1x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.0x | 1.1x | 3.0x | |||||
| Historical P/B Ratio | 0.8x | 1.0x | 1.2x | |||||
| Selected P/B Multiple | 1.1x | 1.1x | 1.2x | |||||
| (x) Book Value | 565 | 565 | 565 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | FFIN | ACNB | FRME | BHB | PEBK | HTB | |
| Value of Common Equity | 5,084 | 444 | 2,340 | 472 | 152 | 659 | |
| (/) Shares Outstanding | 142.1 | 10.5 | 58.3 | 15.3 | 5.3 | 17.4 | |
| Implied Stock Price | 35.77 | 42.35 | 40.14 | 30.80 | 28.70 | 37.90 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 35.77 | 42.35 | 40.14 | 30.80 | 28.70 | 37.90 | |
| 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 | |