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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.0x - 1.1x | 1.1x |
| Historical Pb Multiple | 0.0x - 1.6x | 1.2x |
| Fair Value | TT$ 35.28 - TT$ 38.99 | TT$ 37.13 |
| Upside | -19.4% - -10.9% | -15.1% |
| Benchmarks | - | Full Ticker |
| Republic Financial Holdings Limited | - | TTSE:RFHL |
| Scotiabank Trinidad and Tobago Limited | - | TTSE:SBTT |
| First Community Corporation | - | OTCPK:FCCT |
| Fifth Third Bancorp | - | BOVESPA:FFTD34 |
| NatWest Group plc | - | BOVESPA:N1WG34 |
| First Citizens Group Financial Holdings Limited | - | TTSE:FCGFH |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| RFHL | SBTT | FCCT | FFTD34 | N1WG34 | FCGFH | |||
| TTSE:RFHL | TTSE:SBTT | OTCPK:FCCT | BOVESPA:FFTD34 | BOVESPA:N1WG34 | TTSE:FCGFH | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 4.9% | -0.3% | 7.8% | -2.1% | 9.1% | 5.0% | ||
| 3Y CAGR | 15.3% | 2.9% | 36.4% | -6.7% | 21.3% | 12.9% | ||
| Latest Twelve Months | 2.6% | -3.2% | -21.9% | -0.2% | 14.0% | 13.9% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 27.5% | 36.5% | 20.0% | 29.2% | 24.2% | 32.2% | ||
| Prior Fiscal Year | 26.9% | 36.9% | 26.6% | 27.0% | 31.8% | 31.9% | ||
| Latest Fiscal Year | 28.4% | 35.6% | 22.6% | 27.1% | 30.9% | 35.1% | ||
| Latest Twelve Months | 27.8% | 35.6% | 22.6% | 27.2% | 32.3% | 35.0% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 12.7% | 14.7% | NA | 12.1% | 7.4% | 8.9% | ||
| Prior Fiscal Year | 13.9% | 14.9% | NA | 13.7% | 12.2% | 9.8% | ||
| Latest Twelve Months | 14.6% | 14.4% | NA | 12.2% | 12.0% | 11.3% | ||
| Next Fiscal Year | #NUM! | #NUM! | #NUM! | 13.5% | 11.4% | #NUM! | ||
| Two Fiscal Years Forward | 15.5% | 16.3% | 9.4% | 14.1% | 11.1% | 13.0% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.5x | 5.1x | 2.3x | 3.1x | 2.9x | 4.0x | ||
| Price / LTM EPS | 9.1x | 14.3x | 10.3x | 11.5x | 8.9x | 11.4x | ||
| Price / Book | 1.3x | 2.0x | NA | 1.4x | 1.0x | 1.3x | ||
| Price / Fwd Book | 1.4x | 2.4x | 1.0x | 1.4x | 0.9x | 1.4x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.0x | 1.3x | 2.0x | |||||
| Historical P/B Ratio | 0.0x | 1.2x | 1.6x | |||||
| Selected P/B Multiple | 1.0x | 1.1x | 1.1x | |||||
| (x) Book Value | 8,715 | 8,715 | 8,715 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | RFHL | SBTT | FCCT | FFTD34 | N1WG34 | FCGFH | |
| Value of Common Equity | 18,399 | 9,648 | 19 | 24,740 | 41,740 | 10,997 | |
| (/) Shares Outstanding | 163.7 | 176.3 | 1.6 | 667.5 | 3,987.1 | 251.4 | |
| Implied Stock Price | 112.38 | 54.71 | 11.75 | 37.06 | 10.47 | 43.75 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 0.18 | 0.13 | 1.00 | |
| Implied Stock Price (Trading Cur) | 112.38 | 54.71 | 11.75 | 210.21 | 80.40 | 43.75 | |
| Trading Currency | TTD | TTD | USD | BRL | BRL | TTD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 0.18 | 0.13 | 1.00 | |