DDM Analysis: 0JMU.L

Valuation Snapshot

Stable Growth	$28.13 - $48.71	$36.97
Multi-Stage	$45.20 - $49.59	$47.35
Blended Fair Value	$42.16
Current Price	$21.50
Upside	96.09%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	-6.76%	12.67%	0.62	0.64	0.51	0.36	0.00	0.88	0.88	0.55	0.45	0.31
YoY Growth	-	-	-3.12%	25.49%	41.66%	0.00%	-100.00%	0.00%	60.02%	21.14%	45.79%	65.59%
Dividend Yield	-	-	3.34%	2.94%	2.01%	1.22%	0.00%	4.71%	3.50%	1.22%	1.98%	1.62%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	15.09
(-) Cash Dividends Paid (M)	7.94
(=) Cash Retained (M)	7.15

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.02	1.89	1.13
Cash Retained (M)	7.15	7.15	7.15
(-) Cash Required (M)	-3.02	-1.89	-1.13
(=) Excess Retained (M)	4.13	5.26	6.01
(/) Shares Outstanding (M)	6.90	6.90	6.90
(=) Excess Retained per Share	0.60	0.76	0.87
LTM Dividend per Share	1.15	1.15	1.15
(+) Excess Retained per Share	0.60	0.76	0.87
(=) Adjusted Dividend	1.75	1.91	2.02
WACC / Discount Rate	7.01%	7.01%	7.01%
Growth Rate	0.75%	1.75%	2.75%
Fair Value	$28.13	$36.97	$48.71
Upside / Downside	30.82%	71.94%	126.56%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	15.09	15.35	15.62	15.89	16.17	16.45	16.95
Payout Ratio	52.64%	60.12%	67.59%	75.06%	82.53%	90.00%	92.50%
Projected Dividends (M)	7.94	9.23	10.56	11.93	13.35	14.81	15.68

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.01%	7.01%	7.01%
Growth Rate	0.75%	1.75%	2.75%
Year 1 PV (M)	8.54	8.62	8.71
Year 2 PV (M)	9.04	9.22	9.40
Year 3 PV (M)	9.45	9.73	10.02
Year 4 PV (M)	9.78	10.18	10.58
Year 5 PV (M)	10.04	10.55	11.08
PV of Terminal Value (M)	265.01	278.43	292.38
Equity Value (M)	311.87	326.74	342.18
Shares Outstanding (M)	6.90	6.90	6.90
Fair Value	$45.20	$47.35	$49.59
Upside / Downside	110.22%	120.25%	130.66%

High-Yield Dividend Screener

US Stocks Global Stocks

« Prev Page 14 of 30 Next »

Ticker ⇵	Company ⇵	Dividend Yield % ▼	Dividend Per Share ⇵	Payout Ratio % ⇵
UVSP	Univest Financial Corporation	2.69%	$0.87	28.95%
VBTX	Veritex Holdings, Inc.	2.69%	$0.81	38.53%
CBT	Cabot Corporation	2.68%	$1.80	29.00%
PKOH	Park-Ohio Holdings Corp.	2.68%	$0.56	33.19%
WINA	Winmark Corporation	2.68%	$10.76	96.24%
CHCO	City Holding Company	2.67%	$3.20	36.27%
IDA	IDACORP, Inc.	2.67%	$3.40	58.98%
LFVN	LifeVantage Corporation	2.67%	$0.16	18.67%
MMM	3M Company	2.67%	$4.31	68.77%
MSEX	Middlesex Water Company	2.67%	$1.34	56.69%
ONB	Old National Bancorp	2.67%	$0.60	35.48%
0HQU.L	CF Industries Holdings, Inc.	2.66%	$2.07	24.22%
MGY	Magnolia Oil & Gas Corporation	2.66%	$0.60	32.28%
PEBK	Peoples Bancorp of North Carolina, Inc.	2.66%	$0.95	30.99%
GSBC	Great Southern Bancorp, Inc.	2.65%	$1.63	26.64%
HD	The Home Depot, Inc.	2.65%	$9.15	62.39%
MVBF	MVB Financial Corp.	2.65%	$0.68	27.31%
PPG	PPG Industries, Inc.	2.65%	$2.76	62.85%
TWMIX	American Century Emerging Markets Investor Class	2.64%	$0.40	76.80%
0M2A.L	Adeia Inc.	2.63%	$0.35	53.29%
ALLY	Ally Financial Inc.	2.63%	$1.20	59.56%
FRAF	Franklin Financial Services Corporation	2.63%	$1.28	36.88%
LEA	Lear Corporation	2.63%	$3.12	37.81%
VHI	Valhi, Inc.	2.63%	$0.32	49.46%
FHI	Federated Hermes, Inc.	2.62%	$1.37	27.23%
MKC	McCormick & Company, Incorporated	2.62%	$1.76	61.04%
SLB	SLB N.V.	2.62%	$1.05	42.94%
BAH	Booz Allen Hamilton Holding Corporation	2.61%	$2.22	33.15%
GILD	Gilead Sciences, Inc.	2.61%	$3.18	49.10%
AWR	American States Water Company	2.60%	$1.88	55.89%
CBAN	Colony Bankcorp, Inc.	2.59%	$0.46	28.75%
MDU	MDU Resources Group, Inc.	2.59%	$0.51	62.41%
PLBC	Plumas Bancorp	2.59%	$1.14	27.38%
CRD-A	Crawford & Company	2.58%	$0.28	43.18%
WBS	Webster Financial Corporation	2.57%	$1.64	29.21%
FANG	Diamondback Energy, Inc.	2.56%	$3.90	26.98%
JEF	Jefferies Financial Group Inc.	2.56%	$1.63	49.77%
UNH	UnitedHealth Group Incorporated	2.56%	$8.60	44.61%
DOX	Amdocs Limited	2.55%	$2.04	39.68%
DVN	Devon Energy Corporation	2.55%	$0.96	22.55%
TGNA	TEGNA Inc.	2.55%	$0.49	23.26%
CFFI	C&F Financial Corporation	2.54%	$1.80	22.24%
MTH	Meritage Homes Corporation	2.54%	$1.68	21.92%
DTM	DT Midstream, Inc.	2.52%	$3.04	77.42%
LEVI	Levi Strauss & Co.	2.52%	$0.52	34.78%
NFG	National Fuel Gas Company	2.52%	$2.07	36.34%
AMNB	American National Bankshares Inc.	2.51%	$1.20	48.76%
HIMYX	Pioneer High Income Municipal Fund Class Y	2.51%	$0.14	81.31%
ACNB	ACNB Corporation	2.50%	$1.18	37.66%
FMBH	First Mid Bancshares, Inc.	2.50%	$0.96	26.52%

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Ticker

Industry

Sector

technotrans SE (0JMU.L)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener