NFBK — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($13.41)
DCF	$-19.45	-245.1%
Graham Number	$2.73	-79.7%
Reverse DCF	—	—
DDM	$10.71	-20.1%
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: 14.2% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 3.18%

Computed WACC: 3.18%

Cost of equity (Re)8.80%(Rf 4.30% + β 0.82 × 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)36.10%

Debt weight (D/V)63.90%

Results

Intrinsic Value / share$-19.45

Current Price$13.41

Upside / Downside-245.1%

Net Debt (used)$812.36M

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

WACC \ Near-term	6.2%	10.2%	14.2%	18.2%	22.2%
7.0%	$-19.45	$-19.45	$-19.45	$-19.45	$-19.45
8.0%	$-19.45	$-19.45	$-19.45	$-19.45	$-19.45
9.0%	$-19.45	$-19.45	$-19.45	$-19.45	$-19.45
10.0%	$-19.45	$-19.45	$-19.45	$-19.45	$-19.45
11.0%	$-19.45	$-19.45	$-19.45	$-19.45	$-19.45

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $0.02

Book Value / share($)Yahoo: $16.51

Results

Graham Number$2.73

Current Price$13.41

Margin of Safety-79.7%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 3.18%

Terminal growth rate(%)

Computed WACC: 3.18%

Cost of equity (Re)8.80%(Rf 4.30% + β 0.82 × 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)36.10%

Debt weight (D/V)63.90%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$13.41

Implied Near-term FCF Growth—

Historical Revenue Growth14.2%

Historical Earnings Growth—

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: $0.52

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$10.71

Current Price$13.41

Upside / Downside-20.1%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: $812.36M

Results

Implied Equity Value / share$-19.45

Current Price$13.41

Upside / Downside-245.1%

Implied EV$0

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