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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 8.5x - 9.4x | 9.0x |
| Selected Fwd P/E Multiple | 7.8x - 8.6x | 8.2x |
| Fair Value | $23.23 - $25.67 | $24.45 |
| Upside | -20.6% - -12.3% | -16.4% |
| Benchmarks | - | Full Ticker |
| Penns Woods Bancorp, Inc. | - | NasdaqGS:PWOD |
| BankFinancial Corporation | - | NasdaqGS:BFIN |
| MainStreet Bancshares, Inc. | - | NasdaqCM:MNSB |
| Southern States Bancshares, Inc. | - | NasdaqGS:SSBK |
| LCNB Corp. | - | NasdaqCM:LCNB |
| Security Federal Corporation | - | OTCPK:SFDL |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| PWOD | BFIN | MNSB | SSBK | LCNB | SFDL | |||
| NasdaqGS:PWOD | NasdaqGS:BFIN | NasdaqCM:MNSB | NasdaqGS:SSBK | NasdaqCM:LCNB | OTCPK:SFDL | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 2.5% | -19.0% | NM- | 44.2% | -6.6% | 2.6% | ||
| 3Y CAGR | 3.4% | -18.1% | NM- | 23.4% | -13.7% | -11.4% | ||
| Latest Twelve Months | 6.8% | -56.6% | -149.7% | 9.1% | 6.9% | -12.8% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 26.4% | 16.9% | 30.4% | 34.1% | 24.8% | 21.3% | ||
| Prior Fiscal Year | 25.8% | 16.8% | 31.1% | 38.5% | 18.0% | 21.1% | ||
| Latest Fiscal Year | 25.9% | 8.3% | -20.5% | 37.0% | 16.9% | 17.5% | ||
| Latest Twelve Months | 25.9% | 8.3% | -20.5% | 37.0% | 16.9% | 17.5% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 3.0x | 3.1x | 2.0x | 3.3x | 2.5x | 1.8x | ||
| LTM P/E Ratio | 11.6x | 37.2x | -9.6x | 8.8x | 14.7x | 10.5x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | -9.6x | 11.6x | 37.2x | |||||
| Historical LTM P/E Ratio | 7.5x | 9.2x | 15.0x | |||||
| Selected P/E Multiple | 8.5x | 9.0x | 9.4x | |||||
| (x) LTM Net Income | 9 | 9 | 9 | |||||
| (=) Equity Value | 76 | 80 | 84 | |||||
| (/) Shares Outstanding | 3.2 | 3.2 | 3.2 | |||||
| Implied Value Range | 23.82 | 25.07 | 26.33 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 23.82 | 25.07 | 26.33 | 29.26 | ||||
| Upside / (Downside) | -18.6% | -14.3% | -10.0% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | PWOD | BFIN | MNSB | SSBK | LCNB | SFDL | |
| Value of Common Equity | 206 | 152 | 122 | 332 | 204 | 93 | |
| (/) Shares Outstanding | 7.6 | 12.5 | 7.5 | 9.9 | 14.2 | 3.2 | |
| Implied Stock Price | 27.12 | 12.20 | 16.30 | 33.42 | 14.40 | 29.26 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 27.12 | 12.20 | 16.30 | 33.42 | 14.40 | 29.26 | |
| 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 | |