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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 9.3x - 10.3x | 9.8x |
| Selected Fwd P/E Multiple | 7.3x - 8.1x | 7.7x |
| Fair Value | $13.79 - $15.24 | $14.51 |
| Upside | -22.9% - -14.8% | -18.8% |
| Benchmarks | - | Full Ticker |
| Home Federal Bancorp, Inc. of Louisiana | - | NasdaqCM:HFBL |
| First US Bancshares, Inc. | - | NasdaqCM:FUSB |
| Commercial National Financial Corporation | - | OTCPK:CEFC |
| National Capital Bancorp, Inc. | - | OTCPK:NACB |
| Chemung Financial Corporation | - | NasdaqGS:CHMG |
| Community Investors Bancorp, Inc. | - | OTCPK:CIBN |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| HFBL | FUSB | CEFC | NACB | CHMG | CIBN | |||
| NasdaqCM:HFBL | NasdaqCM:FUSB | OTCPK:CEFC | OTCPK:NACB | NasdaqGS:CHMG | OTCPK:CIBN | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -5.4% | 12.3% | 3.2% | 20.1% | 8.7% | 2.4% | ||
| 3Y CAGR | -12.5% | 22.4% | -2.7% | 11.2% | -3.6% | -21.3% | ||
| Latest Twelve Months | -26.7% | -3.7% | -5.0% | 46.2% | -5.3% | 68.8% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 23.0% | 15.2% | 30.6% | 17.5% | 26.6% | 9.8% | ||
| Prior Fiscal Year | 25.0% | 21.0% | 30.1% | 17.5% | 26.1% | 7.0% | ||
| Latest Fiscal Year | 17.5% | 20.9% | 27.7% | 25.2% | 24.3% | 9.7% | ||
| Latest Twelve Months | 16.9% | 20.9% | 27.7% | 25.2% | 24.3% | 10.2% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 2.0x | 2.0x | 1.8x | 3.2x | 2.2x | 1.1x | ||
| LTM P/E Ratio | 11.9x | 9.4x | 6.5x | 12.6x | 8.9x | 11.2x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 6.5x | 9.4x | 12.6x | |||||
| Historical LTM P/E Ratio | 12.2x | 13.4x | 14.6x | |||||
| Selected P/E Multiple | 9.3x | 9.8x | 10.3x | |||||
| (x) LTM Net Income | 1 | 1 | 1 | |||||
| (=) Equity Value | 12 | 12 | 13 | |||||
| (/) Shares Outstanding | 0.8 | 0.8 | 0.8 | |||||
| Implied Value Range | 14.87 | 15.66 | 16.44 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 14.87 | 15.66 | 16.44 | 17.88 | ||||
| Upside / (Downside) | -16.8% | -12.4% | -8.1% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | HFBL | FUSB | CEFC | NACB | CHMG | CIBN | |
| Value of Common Equity | 40 | 77 | 38 | 80 | 210 | 14 | |
| (/) Shares Outstanding | 3.0 | 5.8 | 4.0 | 1.1 | 4.8 | 0.8 | |
| Implied Stock Price | 13.10 | 13.39 | 9.62 | 70.00 | 43.90 | 17.88 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 13.10 | 13.39 | 9.62 | 70.00 | 43.90 | 17.88 | |
| 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 | |