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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 8.4x - 9.3x | 8.8x |
| Selected Fwd P/E Multiple | 8.3x - 9.2x | 8.8x |
| Fair Value | $32.80 - $36.25 | $34.52 |
| Upside | -19.8% - -11.3% | -15.6% |
| Benchmarks | - | Full Ticker |
| Ohio Valley Banc Corp. | - | NasdaqGM:OVBC |
| SB Financial Group, Inc. | - | NasdaqCM:SBFG |
| Hawthorn Bancshares, Inc. | - | NasdaqGS:HWBK |
| IF Bancorp, Inc. | - | NasdaqCM:IROQ |
| United Bancshares, Inc. | - | OTCPK:UBOH |
| CSB Bancorp, Inc. | - | OTCPK:CSBB |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| OVBC | SBFG | HWBK | IROQ | UBOH | CSBB | |||
| NasdaqGM:OVBC | NasdaqCM:SBFG | NasdaqGS:HWBK | NasdaqCM:IROQ | OTCPK:UBOH | OTCPK:CSBB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 2.1% | 0.8% | 2.5% | -12.8% | -3.0% | -0.8% | ||
| 3Y CAGR | -2.1% | -14.4% | -6.8% | -30.6% | -12.3% | -2.6% | ||
| Latest Twelve Months | -12.9% | -5.2% | 1809.6% | 54.3% | 18.2% | -22.2% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 22.3% | 23.2% | 21.8% | 17.2% | 24.1% | 31.7% | ||
| Prior Fiscal Year | 22.3% | 21.3% | 1.8% | 17.7% | 21.1% | 34.8% | ||
| Latest Fiscal Year | 18.5% | 20.1% | 25.4% | 8.1% | 21.9% | 27.1% | ||
| Latest Twelve Months | 18.5% | 20.1% | 25.4% | 12.3% | 23.3% | 27.1% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 2.8x | 2.2x | 2.8x | 3.1x | 1.7x | 2.9x | ||
| LTM P/E Ratio | 15.2x | 10.7x | 11.2x | 25.0x | 7.2x | 10.3x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 7.2x | 11.2x | 25.0x | |||||
| Historical LTM P/E Ratio | 6.8x | 8.9x | 9.2x | |||||
| Selected P/E Multiple | 8.4x | 8.8x | 9.3x | |||||
| (x) LTM Net Income | 11 | 11 | 11 | |||||
| (=) Equity Value | 90 | 94 | 99 | |||||
| (/) Shares Outstanding | 2.6 | 2.6 | 2.6 | |||||
| Implied Value Range | 33.95 | 35.74 | 37.53 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 33.95 | 35.74 | 37.53 | 40.89 | ||||
| Upside / (Downside) | -17.0% | -12.6% | -8.2% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | OVBC | SBFG | HWBK | IROQ | UBOH | CSBB | |
| Value of Common Equity | 183 | 121 | 199 | 75 | 73 | 108 | |
| (/) Shares Outstanding | 4.7 | 6.5 | 7.0 | 3.2 | 3.0 | 2.6 | |
| Implied Stock Price | 38.90 | 18.56 | 28.47 | 23.19 | 24.40 | 40.89 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 38.90 | 18.56 | 28.47 | 23.19 | 24.40 | 40.89 | |
| 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 | |