DDM Analysis: BSRR

Valuation Snapshot

Stable Growth	$85.64 - $347.47	$146.55
Multi-Stage	$53.80 - $58.78	$56.25
Blended Fair Value	$101.40
Current Price	$28.91
Upside	250.73%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	3.77%	11.06%	0.98	0.99	1.00	0.95	0.88	0.81	0.70	0.57	0.47	0.41
YoY Growth	-	-	-0.58%	-1.47%	5.19%	8.40%	7.72%	16.14%	22.96%	21.96%	14.91%	18.58%
Dividend Yield	-	-	3.51%	5.09%	5.81%	3.81%	3.27%	4.63%	2.84%	2.14%	1.70%	2.24%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	39.80
(-) Cash Dividends Paid (M)	13.80
(=) Cash Retained (M)	26.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.96	4.97	2.98
Cash Retained (M)	26.00	26.00	26.00
(-) Cash Required (M)	-7.96	-4.97	-2.98
(=) Excess Retained (M)	18.04	21.02	23.01
(/) Shares Outstanding (M)	13.92	13.92	13.92
(=) Excess Retained per Share	1.30	1.51	1.65
LTM Dividend per Share	0.99	0.99	0.99
(+) Excess Retained per Share	1.30	1.51	1.65
(=) Adjusted Dividend	2.29	2.50	2.65
WACC / Discount Rate	8.32%	8.32%	8.32%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$85.64	$146.55	$347.47
Upside / Downside	196.21%	406.92%	1,101.91%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	39.80	42.38	45.14	48.07	51.20	54.53	56.16
Payout Ratio	34.68%	45.74%	56.81%	67.87%	78.94%	90.00%	92.50%
Projected Dividends (M)	13.80	19.39	25.64	32.63	40.41	49.07	51.95

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.32%	8.32%	8.32%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	17.73	17.90	18.07
Year 2 PV (M)	21.45	21.85	22.27
Year 3 PV (M)	24.96	25.67	26.40
Year 4 PV (M)	28.27	29.36	30.48
Year 5 PV (M)	31.39	32.91	34.48
PV of Terminal Value (M)	624.89	655.08	686.41
Equity Value (M)	748.69	782.77	818.11
Shares Outstanding (M)	13.92	13.92	13.92
Fair Value	$53.80	$56.25	$58.78
Upside / Downside	86.08%	94.55%	103.34%

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NMAN.ST	Nederman Holding AB (publ)	2.42%	$4.00	47.45%
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0U96.L	Everest Re Group, Ltd.	2.41%	$8.07	61.23%
3591.T	Wacoal Holdings Corp.	2.41%	$106.27	49.77%
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7951.T	Yamaha Corporation	2.41%	$26.35	66.95%
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Sierra Bancorp (BSRR)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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