SFNC — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($20.07)
DCF	$0.59	-97.1%
Graham Number	—	—
Reverse DCF	—	—
DDM	$17.72	-11.7%
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: 19.8% / EPS: 42.8%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 7.55%

Computed WACC: 7.55%

Cost of equity (Re)9.37%(Rf 4.30% + β 0.92 × 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)80.64%

Debt weight (D/V)19.36%

Results

Intrinsic Value / share$0.59

Current Price$20.07

Upside / Downside-97.1%

Net Debt (used)-$85.03M

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

WACC \ Near-term	34.8%	38.8%	42.8%	46.8%	50.8%
7.0%	$0.59	$0.59	$0.59	$0.59	$0.59
8.0%	$0.59	$0.59	$0.59	$0.59	$0.59
9.0%	$0.59	$0.59	$0.59	$0.59	$0.59
10.0%	$0.59	$0.59	$0.59	$0.59	$0.59
11.0%	$0.59	$0.59	$0.59	$0.59	$0.59

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $-2.96

Book Value / share($)Yahoo: $23.62

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.

Graham Number—

Current Price$20.07

Margin of Safety—

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 7.55%

Terminal growth rate(%)

Computed WACC: 7.55%

Cost of equity (Re)9.37%(Rf 4.30% + β 0.92 × 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)80.64%

Debt weight (D/V)19.36%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$20.07

Implied Near-term FCF Growth—

Historical Revenue Growth19.8%

Historical Earnings Growth42.8%

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: $0.86

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$17.72

Current Price$20.07

Upside / Downside-11.7%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: -$85.03M

Results

Implied Equity Value / share$0.59

Current Price$20.07

Upside / Downside-97.1%

Implied EV$0

← Overview Financial Statements ← Companies