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Sturgis Bancorp, Inc.
STBIFinancial 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 | $59.13M | 12.6% | $7.45M | $13.90M | N/A |
| 2027 | $65.05M | 12.6% | $8.20M | $15.29M | $13.90M |
| 2028 | $71.55M | 12.6% | $9.02M | $16.81M | $13.90M |
| 2029 | $78.71M | 12.6% | $9.92M | $18.50M | $13.90M |
| 2030 | $86.58M | 12.6% | $10.91M | $20.35M | $13.90M |
| 2031 | $95.23M | 12.6% | $12.00M | $22.38M | $13.90M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.45 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $36.176 | EPS × (1 + G)^5 |
| Base P/E | 6.2 | P/E |
| Future price | $224.29 | Future EPS × P/E |
| Fair value today | $139.27 | PV @ 10.0% |
| 30% safety price | $97.487 | Margin of safety |
| 50% safety price | $69.633 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $138.32 | $156.45 | $181.16 |
| 10.0% | $120.02 | $133.38 | $150.85 |
| 11.0% | $105.59 | $115.77 | $128.65 |