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Bay Community Bancorp
CBOBAFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $35.54M | 23.2% | $8.24M | $8.46M | N/A |
| 2027 | $39.09M | 23.2% | $9.07M | $9.30M | $8.46M |
| 2028 | $43.00M | 23.2% | $9.98M | $10.23M | $8.46M |
| 2029 | $47.30M | 23.2% | $10.97M | $11.26M | $8.46M |
| 2030 | $52.03M | 23.2% | $12.07M | $12.38M | $8.46M |
| 2031 | $57.24M | 23.2% | $13.28M | $13.62M | $8.46M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.93 | 2023-12-31 |
| EPS growth | +2.2% | Forecast years: 5 |
| Future EPS | $1.037 | EPS × (1 + G)^5 |
| Base P/E | 8.2 | P/E |
| Future price | $8.503 | Future EPS × P/E |
| Fair value today | $5.279 | PV @ 10.0% |
| 30% safety price | $3.696 | Margin of safety |
| 50% safety price | $2.64 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $17.254 | $21.365 | $26.97 |
| 10.0% | $13.102 | $16.133 | $20.096 |
| 11.0% | $9.83 | $12.138 | $15.06 |