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The Farmers Bank of Appomattox
FBPAFinancial 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 | $19.25M | 17.0% | $3.27M | $4.27M | N/A |
| 2027 | $21.18M | 17.0% | $3.60M | $4.70M | $4.27M |
| 2028 | $23.30M | 17.0% | $3.96M | $5.17M | $4.27M |
| 2029 | $25.63M | 17.0% | $4.36M | $5.69M | $4.27M |
| 2030 | $28.19M | 17.0% | $4.79M | $6.26M | $4.27M |
| 2031 | $31.01M | 17.0% | $5.27M | $6.88M | $4.27M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.02 | 2025-12-31 |
| EPS growth | +20.8% | Forecast years: 5 |
| Future EPS | $7.769 | EPS × (1 + G)^5 |
| Base P/E | 8.6 | P/E |
| Future price | $66.81 | Future EPS × P/E |
| Fair value today | $41.484 | PV @ 10.0% |
| 30% safety price | $29.039 | Margin of safety |
| 50% safety price | $20.742 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $92.628 | $103.81 | $119.06 |
| 10.0% | $81.332 | $89.578 | $100.36 |
| 11.0% | $72.428 | $78.706 | $86.659 |