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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.8x - 0.9x | 0.8x |
| Historical Pb Multiple | 0.8x - 1.2x | 1.1x |
| Fair Value | $16.01 - $17.70 | $16.86 |
| Upside | -8.4% - 1.3% | -3.6% |
| Benchmarks | - | Full Ticker |
| Citizens Financial Corp. | - | OTCPK:CIWV |
| American Bank Incorporated | - | OTCPK:AMBK |
| The Victory Bancorp, Inc. | - | OTCPK:VTYB |
| First Ottawa Bancshares, Inc. | - | OTCPK:FOTB |
| Eagle Financial Services, Inc. | - | NasdaqCM:EFSI |
| Northeast Indiana Bancorp, Inc. | - | OTCPK:NIDB |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| CIWV | AMBK | VTYB | FOTB | EFSI | NIDB | |||
| OTCPK:CIWV | OTCPK:AMBK | OTCPK:VTYB | OTCPK:FOTB | NasdaqCM:EFSI | OTCPK:NIDB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | NM- | NM- | 2.4% | 51.6% | 9.5% | -1.7% | ||
| 3Y CAGR | 9.2% | -3.7% | -2.0% | 18.2% | 11.7% | -16.1% | ||
| Latest Twelve Months | 34.2% | -3.2% | -30.3% | 35.6% | -37.5% | 21.8% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 31.4% | 39.1% | 20.0% | 26.6% | 21.1% | 32.0% | ||
| Prior Fiscal Year | 30.1% | 37.5% | 23.2% | 28.4% | 14.8% | 25.5% | ||
| Latest Fiscal Year | 31.7% | 35.3% | 15.4% | 32.5% | 21.9% | 25.1% | ||
| Latest Twelve Months | 33.4% | 35.3% | 11.6% | 32.5% | 10.0% | 26.4% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 14.6% | NA | 11.8% | 16.7% | 10.9% | 12.5% | ||
| Prior Fiscal Year | 15.7% | NA | 14.4% | 17.7% | 8.9% | 9.5% | ||
| Latest Twelve Months | 17.8% | NA | 5.6% | 19.8% | 4.1% | 9.7% | ||
| Next Fiscal Year | #NUM! | #NUM! | #NUM! | #NUM! | 13.4% | #NUM! | ||
| Two Fiscal Years Forward | 15.8% | 9.9% | 7.4% | 20.1% | 15.7% | 9.3% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.1x | 3.8x | 1.6x | 2.3x | 2.9x | 2.4x | ||
| Price / LTM EPS | 6.3x | 10.8x | 13.6x | 7.0x | 29.0x | 9.0x | ||
| Price / Book | 1.0x | NA | 0.7x | 1.3x | 1.0x | 0.8x | ||
| Price / Fwd Book | 1.1x | 1.1x | 0.8x | 1.3x | 1.3x | 0.9x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.7x | 1.0x | 1.3x | |||||
| Historical P/B Ratio | 0.8x | 1.1x | 1.2x | |||||
| Selected P/B Multiple | 0.8x | 0.8x | 0.9x | |||||
| (x) Book Value | 49 | 49 | 49 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | CIWV | AMBK | VTYB | FOTB | EFSI | NIDB | |
| Value of Common Equity | 53 | 97 | 21 | 132 | 169 | 42 | |
| (/) Shares Outstanding | 1.8 | 6.5 | 2.0 | 0.9 | 5.3 | 2.4 | |
| Implied Stock Price | 29.70 | 14.85 | 10.80 | 143.00 | 31.77 | 17.48 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 29.70 | 14.85 | 10.80 | 143.00 | 31.77 | 17.48 | |
| 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 | |