DDM Analysis: QFBQ.QA

Valuation Snapshot

Stable Growth	$1.34 - $2.02	$1.66
Multi-Stage	$2.73 - $3.00	$2.86
Blended Fair Value	$2.26
Current Price	$1.86
Upside	21.53%
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	0.00%	0.00%	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.14
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-100.00%	11.82%
Dividend Yield	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.64%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	171.67
(-) Cash Dividends Paid (M)	56.00
(=) Cash Retained (M)	115.67

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	34.33	21.46	12.87
Cash Retained (M)	115.67	115.67	115.67
(-) Cash Required (M)	-34.33	-21.46	-12.87
(=) Excess Retained (M)	81.33	94.21	102.79
(/) Shares Outstanding (M)	1,115.81	1,115.81	1,115.81
(=) Excess Retained per Share	0.07	0.08	0.09
LTM Dividend per Share	0.05	0.05	0.05
(+) Excess Retained per Share	0.07	0.08	0.09
(=) Adjusted Dividend	0.12	0.13	0.14
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$1.34	$1.66	$2.02
Upside / Downside	-28.20%	-10.79%	8.81%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	171.67	169.95	168.25	166.57	164.90	163.25	168.15
Payout Ratio	32.62%	44.10%	55.57%	67.05%	78.52%	90.00%	92.50%
Projected Dividends (M)	56.00	74.94	93.50	111.68	129.49	146.93	155.54

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	69.31	70.02	70.73
Year 2 PV (M)	79.98	81.62	83.28
Year 3 PV (M)	88.35	91.08	93.87
Year 4 PV (M)	94.74	98.67	102.72
Year 5 PV (M)	99.43	104.60	109.99
PV of Terminal Value (M)	2,610.80	2,746.75	2,888.31
Equity Value (M)	3,042.61	3,192.75	3,348.89
Shares Outstanding (M)	1,115.81	1,115.81	1,115.81
Fair Value	$2.73	$2.86	$3.00
Upside / Downside	46.60%	53.84%	61.36%

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Lesha Bank L.L.C (QFBQ.QA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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