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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 10.6x - 11.7x | 11.1x |
| Selected Fwd P/E Multiple | 10.0x - 11.1x | 10.6x |
| Fair Value | $31.82 - $35.17 | $33.49 |
| Upside | -18.6% - -10.0% | -14.3% |
| 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 / LTM EPS 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% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 9.7x | 4.2x | 3.9x | 3.3x | 2.1x | 3.5x | ||
| LTM P/E Ratio | 23.3x | 19.1x | 11.6x | 11.3x | 10.6x | 12.6x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 10.6x | 11.6x | 23.3x | |||||
| Historical LTM P/E Ratio | 9.7x | 13.1x | 19.0x | |||||
| Selected P/E Multiple | 10.6x | 11.1x | 11.7x | |||||
| (x) LTM Net Income | 54 | 54 | 54 | |||||
| (=) Equity Value | 567 | 597 | 627 | |||||
| (/) Shares Outstanding | 17.4 | 17.4 | 17.4 | |||||
| Implied Value Range | 32.63 | 34.35 | 36.07 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 32.63 | 34.35 | 36.07 | 39.07 | ||||
| Upside / (Downside) | -16.5% | -12.1% | -7.7% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | FFIN | ACNB | FRME | BHB | PEBK | HTB | |
| Value of Common Equity | 5,366 | 468 | 2,375 | 494 | 168 | 679 | |
| (/) Shares Outstanding | 142.1 | 10.5 | 58.3 | 15.3 | 5.3 | 17.4 | |
| Implied Stock Price | 37.76 | 44.68 | 40.74 | 32.23 | 31.74 | 39.07 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 37.76 | 44.68 | 40.74 | 32.23 | 31.74 | 39.07 | |
| 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 | |