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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.2x - 1.3x | 1.2x |
| Historical Pb Multiple | 1.2x - 1.6x | 1.3x |
| Fair Value | $37.65 - $41.61 | $39.63 |
| Upside | -12.2% - -3.0% | -7.6% |
| Benchmarks | - | Full Ticker |
| First Busey Corporation | - | NasdaqGS:BUSE |
| First Bancorp | - | NasdaqGS:FBNC |
| Capitol Federal Financial, Inc. | - | NasdaqGS:CFFN |
| Berkshire Hills Bancorp, Inc. | - | NYSE:BHLB |
| The First of Long Island Corporation | - | NasdaqCM:FLIC |
| NBT Bancorp Inc. | - | NasdaqGS:NBTB |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| BUSE | FBNC | CFFN | BHLB | FLIC | NBTB | |||
| NasdaqGS:BUSE | NasdaqGS:FBNC | NasdaqGS:CFFN | NYSE:BHLB | NasdaqCM:FLIC | NasdaqGS:NBTB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 2.0% | -3.7% | -16.6% | -9.5% | -16.3% | 3.1% | ||
| 3Y CAGR | -2.7% | -7.3% | -20.7% | -19.9% | -26.5% | -3.2% | ||
| Latest Twelve Months | -7.2% | -26.7% | 144.1% | -12.3% | -34.9% | 18.4% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 27.9% | 31.5% | 34.7% | -15.8% | 32.9% | 27.6% | ||
| Prior Fiscal Year | 27.9% | 26.8% | 406.1% | 18.3% | 28.1% | 24.2% | ||
| Latest Fiscal Year | 25.1% | 22.7% | 22.9% | 16.2% | 20.1% | 25.2% | ||
| Latest Twelve Months | 25.1% | 22.7% | 28.0% | 16.2% | 20.1% | 25.2% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 9.4% | 9.9% | 2.5% | -0.9% | 9.4% | 10.8% | ||
| Prior Fiscal Year | 10.1% | 8.6% | -9.5% | 7.1% | 7.0% | 9.1% | ||
| Latest Twelve Months | 8.6% | 5.4% | 4.9% | 5.6% | 4.5% | 9.5% | ||
| Next Fiscal Year | 15.1% | 9.1% | 5.7% | 12.0% | 7.4% | 10.9% | ||
| Two Fiscal Years Forward | 15.6% | 9.6% | 6.4% | 23.0% | 7.0% | 13.1% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.5x | 4.7x | 3.9x | 3.0x | 3.0x | 3.4x | ||
| Price / LTM EPS | 10.1x | 20.6x | 13.8x | 18.3x | 15.0x | 13.6x | ||
| Price / Book | 0.8x | 1.1x | 0.7x | 1.0x | 0.7x | 1.3x | ||
| Price / Fwd Book | 0.8x | 1.1x | 0.7x | 0.9x | 0.7x | 1.2x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.7x | 0.8x | 1.1x | |||||
| Historical P/B Ratio | 1.2x | 1.3x | 1.6x | |||||
| Selected P/B Multiple | 1.2x | 1.2x | 1.3x | |||||
| (x) Book Value | 1,526 | 1,526 | 1,526 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BUSE | FBNC | CFFN | BHLB | FLIC | NBTB | |
| Value of Common Equity | 1,237 | 1,675 | 732 | 1,195 | 278 | 2,027 | |
| (/) Shares Outstanding | 57.0 | 41.4 | 129.8 | 45.6 | 22.6 | 47.3 | |
| Implied Stock Price | 21.72 | 40.49 | 5.64 | 26.21 | 12.29 | 42.90 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 21.72 | 40.49 | 5.64 | 26.21 | 12.29 | 42.90 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |