Fernandez Agency, LLC
How we got $1.5M
Based on its 5 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 30% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| FERNANDEZ AGENCY, LLC this business | $1.3M | — |
| Bobby Lewis - State Farm Choctaw | $806K | 1.3 mi |
| COPELAND AGENCY LLC Oklahoma City · 5 employees | $1.1M | 2.4 mi |
| COEPLAND AGENCY LLC Oklahoma City · 5 employees | $1.1M | 2.4 mi |
| BOBBY LEWIS INSURANCE INC Choctaw · 6 employees | $1.6M | 3.6 mi |
| MCKELVEY INSURANCE AGENCY Choctaw · 4 employees | $708K | 3.6 mi |
| State Farm Insurance Choctaw | $806K | 3.8 mi |
The full calculation
| Employees reported to the SBA | 5 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $886K |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $1.4M |
| Estimate: the two combined (geometric mean) | $1.3M |
| EBITDA margin (industry, adjusted for size) | 33% |
| EBITDA = revenue × margin | $418K |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $1.5M |
| Multiple for this size and industry | 3.6× |
| Value range | $791K – $2.1M |
| Revenue range | $838K – $1.5M |
| EBITDA range | $275K – $476K |
| Industry (NAICS) | Insurance Agencies and Brokerages (524210) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
People & advisors
Advisors
- BankingValliance BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Valliance Bank PPP 2020 | All 439 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/12/2020 | first | $61K | 5 |
About Fernandez Agency, LLC
Fernandez Agency, LLC is an insurance agencies company in Choctaw, Oklahoma. Its estimated annual revenue is about $1.3M, with roughly $418K of EBITDA. It has about 5 employees. Its estimated business value is $1.5M (likely range $791K–$2.1M).
Common questions
- Who owns Fernandez Agency, LLC?
- The owner of Fernandez Agency, LLC isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does Fernandez Agency, LLC make?
- SeeBITDA estimates Fernandez Agency, LLC's annual revenue at about $1.3M (likely between $838K and $1.5M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Fernandez Agency, LLC worth?
- About $1.5M, roughly 3.6× its estimated EBITDA of $418K, typical for a insurance agencies company its size. Likely range: $791K–$2.1M.
- How many employees does Fernandez Agency, LLC have?
- About 5, as reported on its PPP loan.