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Hamlin Bank and Trust Company
HMLNFinancial 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 | $27.06M | 25.4% | $6.87M | $3.73M | N/A |
| 2027 | $29.77M | 25.4% | $7.56M | $4.11M | $3.73M |
| 2028 | $32.75M | 25.4% | $8.32M | $4.52M | $3.73M |
| 2029 | $36.02M | 25.4% | $9.15M | $4.97M | $3.73M |
| 2030 | $39.62M | 25.4% | $10.06M | $5.47M | $3.73M |
| 2031 | $43.59M | 25.4% | $11.07M | $6.02M | $3.73M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $19.23 | 2025-12-31 |
| EPS growth | +23.7% | Forecast years: 5 |
| Future EPS | $55.696 | EPS × (1 + G)^5 |
| Base P/E | 11.2 | P/E |
| Future price | $623.80 | Future EPS × P/E |
| Fair value today | $387.33 | PV @ 10.0% |
| 30% safety price | $271.13 | Margin of safety |
| 50% safety price | $193.67 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $303.40 | $331.14 | $368.96 |
| 10.0% | $275.39 | $295.84 | $322.58 |
| 11.0% | $253.31 | $268.88 | $288.60 |