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Golden State Bancorp
GSBXFinancial 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 | $62.97M | 14.8% | $9.32M | $11.90M | N/A |
| 2027 | $69.26M | 14.8% | $10.25M | $13.09M | $11.90M |
| 2028 | $76.19M | 14.8% | $11.28M | $14.40M | $11.90M |
| 2029 | $83.81M | 14.8% | $12.40M | $15.84M | $11.90M |
| 2030 | $92.19M | 14.8% | $13.64M | $17.42M | $11.90M |
| 2031 | $101.41M | 14.8% | $15.01M | $19.17M | $11.90M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.38 | 2025-12-31 |
| EPS growth | +11.9% | Forecast years: 5 |
| Future EPS | $5.93 | EPS × (1 + G)^5 |
| Base P/E | 9.3 | P/E |
| Future price | $55.151 | Future EPS × P/E |
| Fair value today | $34.244 | PV @ 10.0% |
| 30% safety price | $23.971 | Margin of safety |
| 50% safety price | $17.122 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $128.39 | $140.56 | $157.16 |
| 10.0% | $116.09 | $125.07 | $136.81 |
| 11.0% | $106.40 | $113.23 | $121.89 |