CBNK — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($29.34)
DCF	$12.42	-57.7%
Graham Number	$43.39	+47.9%
Reverse DCF	—	—
DDM	$9.48	-67.7%
EV/EBITDA	—	—

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: —

Near-term growth (yrs 1–5)(%)Rev: 15.5% / EPS: 102.1%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 6.92%

Computed WACC: 6.92%

Cost of equity (Re)7.66%(Rf 4.30% + β 0.61 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)90.30%

Debt weight (D/V)9.70%

Results

Intrinsic Value / share$12.42

Current Price$29.34

Upside / Downside-57.7%

Net Debt (used)-$203.50M

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	94.1%	98.1%	102.1%	106.1%	110.1%
7.0%	$12.42	$12.42	$12.42	$12.42	$12.42
8.0%	$12.42	$12.42	$12.42	$12.42	$12.42
9.0%	$12.42	$12.42	$12.42	$12.42	$12.42
10.0%	$12.42	$12.42	$12.42	$12.42	$12.42
11.0%	$12.42	$12.42	$12.42	$12.42	$12.42

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $3.41

Book Value / share($)Yahoo: $24.54

Results

Graham Number$43.39

Current Price$29.34

Margin of Safety+47.9%

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 6.92%

Terminal growth rate(%)

Computed WACC: 6.92%

Cost of equity (Re)7.66%(Rf 4.30% + β 0.61 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)90.30%

Debt weight (D/V)9.70%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$29.34

Implied Near-term FCF Growth—

Historical Revenue Growth15.5%

Historical Earnings Growth102.1%

Base FCF (TTM)—

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: $0.46

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$9.48

Current Price$29.34

Upside / Downside-67.7%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: -$203.50M

Results

Implied Equity Value / share$12.42

Current Price$29.34

Upside / Downside-57.7%

Implied EV$0

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