PFBC

PFBC — Valuation Models

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

Valuation Summary

ModelIntrinsic Valuevs Price ($89.39)
DCF$36.39-59.3%
Graham Number$120.05+34.3%
Reverse DCF
DDM$65.92-26.3%
EV/EBITDA

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

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: —
Rev: 15.5% / EPS: 24.0%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$36.39
Current Price$89.39
Upside / Downside-59.3%
Net Debt (used)-$443.28M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term16.0%20.0%24.0%28.0%32.0%
7.0%$36.39$36.39$36.39$36.39$36.39
8.0%$36.39$36.39$36.39$36.39$36.39
9.0%$36.39$36.39$36.39$36.39$36.39
10.0%$36.39$36.39$36.39$36.39$36.39
11.0%$36.39$36.39$36.39$36.39$36.39

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $9.88
Yahoo: $64.83

Results

Graham Number$120.05
Current Price$89.39
Margin of Safety+34.3%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$89.39
Implied Near-term FCF Growth
Historical Revenue Growth15.5%
Historical Earnings Growth24.0%
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

Yahoo: $3.20

Results

DDM Intrinsic Value / share$65.92
Current Price$89.39
Upside / Downside-26.3%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: -$443.28M

Results

Implied Equity Value / share$36.39
Current Price$89.39
Upside / Downside-59.3%
Implied EV$0