EWBC — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($110.91)
DCF	$9.62	-91.3%
Graham Number	$117.71	+6.1%
Reverse DCF	—	—
DDM	$65.92	-40.6%
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: 21.3% / EPS: 21.4%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 7.53%

Computed WACC: 7.53%

Cost of equity (Re)9.24%(Rf 4.30% + β 0.90 × 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)81.52%

Debt weight (D/V)18.48%

Results

Intrinsic Value / share$9.62

Current Price$110.91

Upside / Downside-91.3%

Net Debt (used)-$1.32B

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

WACC \ Near-term	13.4%	17.4%	21.4%	25.4%	29.4%
7.0%	$9.62	$9.62	$9.62	$9.62	$9.62
8.0%	$9.62	$9.62	$9.62	$9.62	$9.62
9.0%	$9.62	$9.62	$9.62	$9.62	$9.62
10.0%	$9.62	$9.62	$9.62	$9.62	$9.62
11.0%	$9.62	$9.62	$9.62	$9.62	$9.62

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $9.52

Book Value / share($)Yahoo: $64.68

Results

Graham Number$117.71

Current Price$110.91

Margin of Safety+6.1%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 7.53%

Terminal growth rate(%)

Computed WACC: 7.53%

Cost of equity (Re)9.24%(Rf 4.30% + β 0.90 × 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)81.52%

Debt weight (D/V)18.48%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$110.91

Implied Near-term FCF Growth—

Historical Revenue Growth21.3%

Historical Earnings Growth21.4%

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: $3.20

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$65.92

Current Price$110.91

Upside / Downside-40.6%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: -$1.32B

Results

Implied Equity Value / share$9.62

Current Price$110.91

Upside / Downside-91.3%

Implied EV$0

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