액소스 파이낸셜

주가

59.80 USD

적정가치

65.94 USD


Benchmarks	-	Full Ticker
Customers Bancorp, Inc.	-	NYSE:CUBI
HomeStreet, Inc.	-	NasdaqGS:HMST
First Northern Community Bancorp	-	OTCPK:FNRN
Webster Financial Corporation	-	NYSE:WBS
Unity Bancorp, Inc.	-	NasdaqGM:UNTY
Axos Financial, Inc.	-	NYSE:AX
-	-	-

Multiples Valuation: Price / EPS

주가

59.80 USD

적정가치

65.94 USD

상승 여력 있음

0.9%

Price / LTM EPS Multiple

Price / Fwd EPS Multiple

Fair Value

Benchmark Editor


Select Price / LTM EPS Ratio

	Benchmark Companies
	CUBI	HMST	FNRN	WBS	UNTY	AX
	NYSE:CUBI	NasdaqGS:HMST	OTCPK:FNRN	NYSE:WBS	NasdaqGM:UNTY	NYSE:AX
Historical Net Income Growth
5Y CAGR	20.0%	NM-	6.4%	14.8%	11.9%	23.8%
3Y CAGR	-21.2%	NM-	12.2%	23.1%	4.7%	27.8%
Latest Twelve Months	-29.3%	-424.7%	-7.1%	-11.8%	4.4%	7.7%

Historical Net Income Profit Margin
5 Year Average Margin	35.5%	3.4%	26.4%	29.6%	38.7%	36.2%
Prior Fiscal Year	34.5%	-13.2%	30.0%	33.6%	39.7%	34.9%
Latest Fiscal Year	25.9%	-190.7%	28.4%	31.4%	40.2%	42.5%
Latest Twelve Months	25.9%	-190.7%	28.4%	31.4%	40.2%	36.8%

Current Trading Multiples
EV / LTM EBITDA	NA	NA	NA	NA	NA	NA
Price / LTM Sales	2.5x	2.9x	2.2x	3.7x	3.9x	3.0x
LTM P/E Ratio	9.8x	-1.5x	7.7x	11.9x	9.6x	8.0x


	Low	Mid	High

Benchmark LTM P/E Ratio	-1.5x	9.6x	11.9x
Historical LTM P/E Ratio	7.4x	8.4x	13.3x

Selected P/E Multiple	8.3x	8.7x	9.2x
(x) LTM Net Income	433	433	433
(=) Equity Value	3,587	3,776	3,965
(/) Shares Outstanding	57.1	57.1	57.1
Implied Value Range	62.82	66.13	69.44
FX Rate: USD/USD	1.0	1.0	1.0		Market Price
Implied Value Range (Trading Cur)	62.82	66.13	69.44		65.38
Upside / (Downside)	-3.9%	1.1%	6.2%

지원하는 계산법

Equity Waterfall

Financials

Historical Multiples


Equity Value

	Benchmark Companies
(in millions)	CUBI	HMST	FNRN	WBS	UNTY	AX

Value of Common Equity	1,625	238	155	8,823	420	3,733
(/) Shares Outstanding	31.5	18.9	15.2	171.3	10.1	57.1
Implied Stock Price	51.64	12.56	10.18	51.49	41.80	65.38
FX Conversion Rate to Trading Currency	1.00	1.00	1.00	1.00	1.00	1.00
Implied Stock Price (Trading Cur)	51.64	12.56	10.18	51.49	41.80	65.38

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

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