DDM Analysis: 0RD8.L

Valuation Snapshot

Stable Growth	$179.18 - $414.72	$388.66
Multi-Stage	$61.93 - $67.76	$64.79
Blended Fair Value	$226.73
Current Price	$29.25
Upside	675.13%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	42.87%	0.00%	1.03	1.10	0.54	0.59	0.43	0.17	0.18	0.13	0.00	0.00
YoY Growth	-	-	-6.50%	101.84%	-7.99%	37.25%	149.74%	-5.07%	45.15%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.74%	3.98%	1.76%	1.17%	0.95%	0.44%	0.44%	0.38%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	94.24
(-) Cash Dividends Paid (M)	46.46
(=) Cash Retained (M)	47.78

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	18.85	11.78	7.07
Cash Retained (M)	47.78	47.78	47.78
(-) Cash Required (M)	-18.85	-11.78	-7.07
(=) Excess Retained (M)	28.93	36.00	40.71
(/) Shares Outstanding (M)	45.19	45.19	45.19
(=) Excess Retained per Share	0.64	0.80	0.90
LTM Dividend per Share	1.03	1.03	1.03
(+) Excess Retained per Share	0.64	0.80	0.90
(=) Adjusted Dividend	1.67	1.82	1.93
WACC / Discount Rate	6.48%	6.48%	6.48%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$179.18	$388.66	$414.72
Upside / Downside	512.59%	1,228.74%	1,317.86%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	94.24	100.36	106.89	113.83	121.23	129.11	132.99
Payout Ratio	49.30%	57.44%	65.58%	73.72%	81.86%	90.00%	92.50%
Projected Dividends (M)	46.46	57.65	70.10	83.92	99.24	116.20	123.01

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.48%	6.48%	6.48%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	53.63	54.14	54.65
Year 2 PV (M)	60.67	61.82	62.99
Year 3 PV (M)	67.57	69.51	71.48
Year 4 PV (M)	74.34	77.19	80.13
Year 5 PV (M)	80.97	84.88	88.95
PV of Terminal Value (M)	2,461.61	2,580.51	2,703.95
Equity Value (M)	2,798.78	2,928.05	3,062.15
Shares Outstanding (M)	45.19	45.19	45.19
Fair Value	$61.93	$64.79	$67.76
Upside / Downside	111.74%	121.52%	131.66%

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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%
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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%
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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%
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AVT	Avnet, Inc.	2.71%	$1.34	48.46%
BKU	BankUnited, Inc.	2.71%	$1.21	34.19%
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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%
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Xior Student Housing N.V. (0RD8.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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