SBFG — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($20.31)
DCF	$-0.26	-101.3%
Graham Number	$33.41	+64.5%
Reverse DCF	—	—
DDM	$12.77	-37.1%
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: 7.5% / EPS: 13.6%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 3.45%

Computed WACC: 3.45%

Cost of equity (Re)5.48%(Rf 4.30% + β 0.21 × 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)63.00%

Debt weight (D/V)37.00%

Results

Intrinsic Value / share$-0.26

Current Price$20.31

Upside / Downside-101.3%

Net Debt (used)$1.60M

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

WACC \ Near-term	5.6%	9.6%	13.6%	17.6%	21.6%
7.0%	$-0.26	$-0.26	$-0.26	$-0.26	$-0.26
8.0%	$-0.26	$-0.26	$-0.26	$-0.26	$-0.26
9.0%	$-0.26	$-0.26	$-0.26	$-0.26	$-0.26
10.0%	$-0.26	$-0.26	$-0.26	$-0.26	$-0.26
11.0%	$-0.26	$-0.26	$-0.26	$-0.26	$-0.26

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $2.19

Book Value / share($)Yahoo: $22.65

Results

Graham Number$33.41

Current Price$20.31

Margin of Safety+64.5%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 3.45%

Terminal growth rate(%)

Computed WACC: 3.45%

Cost of equity (Re)5.48%(Rf 4.30% + β 0.21 × 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)63.00%

Debt weight (D/V)37.00%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$20.31

Implied Near-term FCF Growth—

Historical Revenue Growth7.5%

Historical Earnings Growth13.6%

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: $0.62

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$12.77

Current Price$20.31

Upside / Downside-37.1%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: $1.60M

Results

Implied Equity Value / share$-0.26

Current Price$20.31

Upside / Downside-101.3%

Implied EV$0

← Overview Financial Statements ← Companies