DDM Analysis: PTRS

Valuation Snapshot

Stable Growth	$148.55 - $175.01	$164.01
Multi-Stage	$32.41 - $35.52	$33.93
Blended Fair Value	$98.97
Current Price	$7.75
Upside	1,177.07%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
DPS	25.73%	0.00%	0.11	0.10	0.10	0.07	0.05	0.04	0.03	0.00	0.00	0.00
YoY Growth	-	-	16.13%	-0.17%	49.37%	33.09%	36.32%	33.89%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.47%	1.07%	1.35%	1.14%	0.70%	0.51%	0.46%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	15.85
(-) Cash Dividends Paid (M)	2.16
(=) Cash Retained (M)	13.69

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.17	1.98	1.19
Cash Retained (M)	13.69	13.69	13.69
(-) Cash Required (M)	-3.17	-1.98	-1.19
(=) Excess Retained (M)	10.52	11.71	12.50
(/) Shares Outstanding (M)	18.01	18.01	18.01
(=) Excess Retained per Share	0.58	0.65	0.69
LTM Dividend per Share	0.12	0.12	0.12
(+) Excess Retained per Share	0.58	0.65	0.69
(=) Adjusted Dividend	0.70	0.77	0.81
WACC / Discount Rate	5.78%	5.78%	5.78%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$148.55	$164.01	$175.01
Upside / Downside	1,816.72%	2,016.28%	2,158.22%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	15.85	16.88	17.98	19.14	20.39	21.71	22.37
Payout Ratio	13.62%	28.89%	44.17%	59.45%	74.72%	90.00%	92.50%
Projected Dividends (M)	2.16	4.88	7.94	11.38	15.24	19.54	20.69

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.78%	5.78%	5.78%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	4.57	4.61	4.65
Year 2 PV (M)	6.96	7.10	7.23
Year 3 PV (M)	9.35	9.62	9.89
Year 4 PV (M)	11.72	12.17	12.63
Year 5 PV (M)	14.08	14.76	15.47
PV of Terminal Value (M)	536.96	562.89	589.82
Equity Value (M)	583.63	611.15	639.69
Shares Outstanding (M)	18.01	18.01	18.01
Fair Value	$32.41	$33.93	$35.52
Upside / Downside	318.14%	337.85%	358.31%

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Partners Bancorp (PTRS)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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