TCBX — Valuation Models

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

Valuation Summary

Model	Intrinsic Value	vs Price ($40.22)
DCF	$2.66	-93.4%
Graham Number	$57.09	+41.9%
Reverse DCF	—	—
DDM	—	—
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: 20.1% / EPS: 29.2%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 6.90%

Computed WACC: 6.90%

Cost of equity (Re)8.35%(Rf 4.30% + β 0.74 × 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)82.56%

Debt weight (D/V)17.44%

Results

Intrinsic Value / share$2.66

Current Price$40.22

Upside / Downside-93.4%

Net Debt (used)-$43.93M

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

WACC \ Near-term	21.2%	25.2%	29.2%	33.2%	37.2%
7.0%	$2.66	$2.66	$2.66	$2.66	$2.66
8.0%	$2.66	$2.66	$2.66	$2.66	$2.66
9.0%	$2.66	$2.66	$2.66	$2.66	$2.66
10.0%	$2.66	$2.66	$2.66	$2.66	$2.66
11.0%	$2.66	$2.66	$2.66	$2.66	$2.66

2 — Graham Number

Assumptions

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

EPS (trailing)($)Yahoo: $3.79

Book Value / share($)Yahoo: $38.22

Results

Graham Number$57.09

Current Price$40.22

Margin of Safety+41.9%

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

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 6.90%

Terminal growth rate(%)

Computed WACC: 6.90%

Cost of equity (Re)8.35%(Rf 4.30% + β 0.74 × 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)82.56%

Debt weight (D/V)17.44%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$40.22

Implied Near-term FCF Growth—

Historical Revenue Growth20.1%

Historical Earnings Growth29.2%

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: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$40.22

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: -$43.93M

Results

Implied Equity Value / share$2.66

Current Price$40.22

Upside / Downside-93.4%

Implied EV$0

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