ECBK — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($17.18)
DCF	$-21.60	-225.7%
Graham Number	$20.34	+18.4%
Reverse DCF	—	—
DDM	—	—
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: 24.9% / EPS: 76.3%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 2.35%

Computed WACC: 2.35%

Cost of equity (Re)6.79%(Rf 4.30% + β 0.45 × 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)34.67%

Debt weight (D/V)65.33%

Results

Intrinsic Value / share—

Current Price$17.18

Upside / Downside—

Net Debt (used)$189.90M

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

WACC \ Near-term	68.3%	72.3%	76.3%	80.3%	84.3%
7.0%	$-21.60	$-21.60	$-21.60	$-21.60	$-21.60
8.0%	$-21.60	$-21.60	$-21.60	$-21.60	$-21.60
9.0%	$-21.60	$-21.60	$-21.60	$-21.60	$-21.60
10.0%	$-21.60	$-21.60	$-21.60	$-21.60	$-21.60
11.0%	$-21.60	$-21.60	$-21.60	$-21.60	$-21.60

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $0.94

Book Value / share($)Yahoo: $19.55

Results

Graham Number$20.34

Current Price$17.18

Margin of Safety+18.4%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 2.35%

Terminal growth rate(%)

Computed WACC: 2.35%

Cost of equity (Re)6.79%(Rf 4.30% + β 0.45 × 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)34.67%

Debt weight (D/V)65.33%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$17.18

Implied Near-term FCF Growth—

Historical Revenue Growth24.9%

Historical Earnings Growth76.3%

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: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$17.18

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: $189.90M

Results

Implied Equity Value / share$-21.60

Current Price$17.18

Upside / Downside-225.7%

Implied EV$0

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