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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 9.1x - 10.1x | 9.6x |
| Selected Fwd P/E Multiple | 8.8x - 9.7x | 9.3x |
| Fair Value | $11.97 - $13.23 | $12.60 |
| Upside | -8.5% - 1.2% | -3.7% |
| Benchmarks | - | Full Ticker |
| BankFinancial Corporation | - | NasdaqGS:BFIN |
| Chemung Financial Corporation | - | NasdaqGS:CHMG |
| First Northwest Bancorp | - | NasdaqGM:FNWB |
| Two Rivers Financial Group, Inc. | - | OTCPK:TRVR |
| South Atlantic Bancshares, Inc. | - | OTCPK:SABK |
| Juniata Valley Financial Corp. | - | OTCPK:JUVF |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| BFIN | CHMG | FNWB | TRVR | SABK | JUVF | |||
| NasdaqGS:BFIN | NasdaqGS:CHMG | NasdaqGM:FNWB | OTCPK:TRVR | OTCPK:SABK | OTCPK:JUVF | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -19.0% | 8.7% | NM- | 6.2% | 10.6% | 1.3% | ||
| 3Y CAGR | -18.1% | -3.6% | NM- | -3.2% | -2.5% | -1.9% | ||
| Latest Twelve Months | -47.5% | -8.6% | -556.2% | NM | 27.9% | 10.7% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 16.3% | 26.8% | 10.6% | 22.4% | 22.3% | 24.2% | ||
| Prior Fiscal Year | 16.8% | 26.1% | 3.5% | 16.9% | 21.5% | 24.4% | ||
| Latest Fiscal Year | 8.3% | 24.3% | -13.0% | 20.0% | 20.6% | 22.4% | ||
| Latest Twelve Months | 9.2% | 23.5% | -10.5% | 22.1% | 22.1% | 24.4% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 3.1x | 2.3x | 1.5x | 1.7x | 2.3x | 2.3x | ||
| LTM P/E Ratio | 33.8x | 9.9x | -14.1x | 7.9x | 10.3x | 9.5x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | -14.1x | 9.9x | 33.8x | |||||
| Historical LTM P/E Ratio | 10.2x | 11.3x | 15.5x | |||||
| Selected P/E Multiple | 9.1x | 9.6x | 10.1x | |||||
| (x) LTM Net Income | 7 | 7 | 7 | |||||
| (=) Equity Value | 63 | 66 | 70 | |||||
| (/) Shares Outstanding | 5.0 | 5.0 | 5.0 | |||||
| Implied Value Range | 12.55 | 13.21 | 13.87 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 12.55 | 13.21 | 13.87 | 13.08 | ||||
| Upside / (Downside) | -4.1% | 1.0% | 6.0% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BFIN | CHMG | FNWB | TRVR | SABK | JUVF | |
| Value of Common Equity | 150 | 225 | 78 | 73 | 117 | 66 | |
| (/) Shares Outstanding | 12.5 | 4.8 | 8.8 | 2.1 | 7.6 | 5.0 | |
| Implied Stock Price | 12.04 | 46.87 | 8.80 | 34.99 | 15.49 | 13.08 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 12.04 | 46.87 | 8.80 | 34.99 | 15.49 | 13.08 | |
| 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 | |