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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.0x - 1.1x | 1.0x |
| Historical Pb Multiple | 0.0x - 1.6x | 1.2x |
| Fair Value | TT$ 33.74 - TT$ 37.29 | TT$ 35.52 |
| Upside | -20.0% - -11.6% | -15.8% |
| Benchmarks | - | Full Ticker |
| Republic Financial Holdings Limited | - | TTSE:RFHL |
| Scotiabank Trinidad and Tobago Limited | - | TTSE:SBTT |
| Cashmere Valley Bank | - | OTCPK:CSHX |
| First Farmers and Merchants Corporation | - | OTCPK:FFMH |
| SpareBank 1 Nord-Norge | - | OB:NONG |
| First Citizens Group Financial Holdings Limited | - | TTSE:FCGFH |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| RFHL | SBTT | CSHX | FFMH | NONG | FCGFH | |||
| TTSE:RFHL | TTSE:SBTT | OTCPK:CSHX | OTCPK:FFMH | OB:NONG | TTSE:FCGFH | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 4.9% | -0.3% | 3.8% | 0.0% | 11.6% | 5.0% | ||
| 3Y CAGR | 15.3% | 2.9% | -1.0% | 0.9% | 16.1% | 12.9% | ||
| Latest Twelve Months | 2.6% | -3.2% | -0.9% | 10.5% | 43.3% | 17.9% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 27.5% | 36.5% | 37.3% | 26.7% | 48.5% | 32.1% | ||
| Prior Fiscal Year | 26.9% | 36.9% | 36.3% | 27.8% | 22.4% | 31.9% | ||
| Latest Fiscal Year | 28.4% | 35.6% | 34.4% | 27.2% | 25.1% | 35.1% | ||
| Latest Twelve Months | 27.8% | 35.6% | 33.1% | 28.1% | 25.1% | 35.0% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 12.7% | 14.7% | 12.6% | 12.3% | 6.4% | 8.8% | ||
| Prior Fiscal Year | 13.9% | 14.9% | 15.5% | 14.5% | 7.0% | 9.8% | ||
| Latest Twelve Months | 14.6% | 14.4% | 12.2% | 12.5% | 9.1% | 11.4% | ||
| Next Fiscal Year | #NUM! | #NUM! | #NUM! | #NUM! | 15.4% | #NUM! | ||
| Two Fiscal Years Forward | 15.5% | 16.3% | 12.6% | 11.9% | 14.5% | 13.0% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.5x | 4.7x | 2.9x | 2.7x | 2.2x | 3.9x | ||
| Price / LTM EPS | 9.0x | 13.3x | 8.7x | 9.7x | 8.8x | 11.0x | ||
| Price / Book | 1.3x | 1.9x | 1.0x | 1.1x | 0.8x | 1.2x | ||
| Price / Fwd Book | 1.4x | 2.1x | 1.1x | 1.2x | 0.7x | 1.3x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.8x | 1.1x | 1.9x | |||||
| Historical P/B Ratio | 0.0x | 1.2x | 1.6x | |||||
| Selected P/B Multiple | 1.0x | 1.0x | 1.1x | |||||
| (x) Book Value | 8,596 | 8,596 | 8,596 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | RFHL | SBTT | CSHX | FFMH | NONG | FCGFH | |
| Value of Common Equity | 18,126 | 8,817 | 238 | 161 | 14,417 | 10,602 | |
| (/) Shares Outstanding | 163.7 | 176.3 | 3.6 | 4.0 | 100.4 | 251.4 | |
| Implied Stock Price | 110.71 | 50.00 | 65.50 | 40.00 | 143.60 | 42.18 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 110.71 | 50.00 | 65.50 | 40.00 | 143.60 | 42.18 | |
| Trading Currency | TTD | TTD | USD | USD | NOK | TTD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |