DDM Analysis: LIPR3.SA

Valuation Snapshot

Stable Growth	$19.98 - $31.03	$25.09
Multi-Stage	$45.32 - $49.96	$47.60
Blended Fair Value	$36.34
Current Price	$41.25
Upside	-11.89%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-7.82%	17.85%	1.41	2.37	1.61	1.10	0.00	2.11	7.42	0.72	0.46	0.00
YoY Growth	-	-	-40.61%	47.20%	46.26%	0.00%	-100.00%	-71.55%	932.26%	57.90%	0.00%	-100.00%
Dividend Yield	-	-	3.41%	4.63%	2.44%	1.82%	0.00%	2.73%	12.37%	1.67%	0.81%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	24.99
(-) Cash Dividends Paid (M)	4.55
(=) Cash Retained (M)	20.44

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.00	3.12	1.87
Cash Retained (M)	20.44	20.44	20.44
(-) Cash Required (M)	-5.00	-3.12	-1.87
(=) Excess Retained (M)	15.45	17.32	18.57
(/) Shares Outstanding (M)	11.77	11.77	11.77
(=) Excess Retained per Share	1.31	1.47	1.58
LTM Dividend per Share	0.39	0.39	0.39
(+) Excess Retained per Share	1.31	1.47	1.58
(=) Adjusted Dividend	1.70	1.86	1.96
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$19.98	$25.09	$31.03
Upside / Downside	-51.55%	-39.17%	-24.78%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	24.99	24.74	24.50	24.25	24.01	23.77	24.48
Payout Ratio	18.20%	32.56%	46.92%	61.28%	75.64%	90.00%	92.50%
Projected Dividends (M)	4.55	8.06	11.49	14.86	18.16	21.39	22.65

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	7.50	7.58	7.65
Year 2 PV (M)	9.96	10.17	10.37
Year 3 PV (M)	11.99	12.36	12.74
Year 4 PV (M)	13.64	14.21	14.79
Year 5 PV (M)	14.96	15.74	16.55
PV of Terminal Value (M)	475.35	500.10	525.88
Equity Value (M)	533.40	560.15	587.98
Shares Outstanding (M)	11.77	11.77	11.77
Fair Value	$45.32	$47.60	$49.96
Upside / Downside	9.88%	15.39%	21.12%

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TCBK	TriCo Bancshares	2.87%	$1.35	37.83%
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CNS	Cohen & Steers, Inc.	2.85%	$1.81	56.91%
MRBK	Meridian Corporation	2.85%	$0.49	27.85%
AMGN	Amgen Inc.	2.84%	$9.31	72.03%
BKH	Black Hills Corporation	2.84%	$1.98	50.60%
GABC	German American Bancorp, Inc.	2.84%	$1.11	40.35%
HOMB	Home Bancshares, Inc.	2.84%	$0.79	34.17%
KO	The Coca-Cola Company	2.84%	$1.96	65.04%
SBFG	SB Financial Group, Inc.	2.84%	$0.61	28.02%
TSBK	Timberland Bancorp, Inc.	2.84%	$1.00	27.24%
CATY	Cathay General Bancorp	2.83%	$1.38	31.20%
CWT	California Water Service Group	2.83%	$1.22	53.25%
EBIX	Ebix, Inc.	2.83%	$0.08	46.85%
CMS-PB	Consumers Energy Company	2.82%	$2.17	62.27%
EPRT	Essential Properties Realty Trust, Inc.	2.82%	$0.85	70.58%
GPK	Graphic Packaging Holding Company	2.82%	$0.43	24.85%
VALSX	Value Line Select Growth Fund	2.82%	$0.87	56.29%
CCNE	CNB Financial Corporation	2.81%	$0.72	35.05%
ORRF	Orrstown Financial Services, Inc.	2.81%	$0.98	26.05%
TXNM	TXNM Energy, Inc.	2.80%	$1.65	86.75%
STC	Stewart Information Services Corporation	2.79%	$1.95	54.56%
CVLY	Codorus Valley Bancorp, Inc.	2.77%	$0.67	28.98%
KKRS	KKR Group Finance Co. IX LLC 4.	2.77%	$0.49	7.61%
SHBI	Shore Bancshares, Inc.	2.77%	$0.48	28.28%
HNNA	Hennessy Advisors, Inc.	2.76%	$0.27	21.11%
HONE	HarborOne Bancorp, Inc.	2.76%	$0.33	51.05%
KMT	Kennametal Inc.	2.76%	$0.80	65.12%
PNM	PNM Resources, Inc.	2.76%	$1.12	57.65%
HWC	Hancock Whitney Corporation	2.75%	$1.77	31.35%
YOU	Clear Secure, Inc.	2.75%	$0.95	50.89%
0HE2.L	Ameren Corporation	2.74%	$2.78	53.51%
MTDR	Matador Resources Company	2.74%	$1.19	18.96%
OFG	OFG Bancorp	2.74%	$1.12	25.13%
VLO	Valero Energy Corporation	2.74%	$4.53	93.65%
YORW	The York Water Company	2.73%	$0.87	62.37%
CCZ	Comcast Holdings Corp.	2.72%	$1.63	26.92%
K	Kellanova	2.72%	$2.27	62.18%
ADT	ADT Inc.	2.71%	$0.22	29.95%
AVT	Avnet, Inc.	2.71%	$1.34	48.46%
BKU	BankUnited, Inc.	2.71%	$1.21	34.19%
CNOB	ConnectOne Bancorp, Inc.	2.71%	$0.71	48.64%
GBX	The Greenbrier Companies, Inc.	2.71%	$1.28	19.40%
PBHC	Pathfinder Bancorp, Inc.	2.71%	$0.38	26.39%
TRIN	Trinity Capital Inc.	2.71%	$0.41	20.50%
RILYN	B. Riley Financial, Inc. - 6.50	2.70%	$0.58	56.91%
0L5A.L	Sempra	2.69%	$2.41	72.79%

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Eletrobras Participações S.A. - Eletropar (LIPR3.SA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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