Logo image of FRAF

FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

NASDAQ:FRAF - Nasdaq - US3535251082 - Common Stock - Currency: USD

37.03  -0.32 (-0.86%)

Fundamental Rating

2

Taking everything into account, FRAF scores 2 out of 10 in our fundamental rating. FRAF was compared to 402 industry peers in the Banks industry. FRAF has a bad profitability rating. Also its financial health evaluation is rather negative. FRAF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

FRAF had positive earnings in the past year.
FRAF had a positive operating cash flow in the past year.
Each year in the past 5 years FRAF has been profitable.
FRAF had a positive operating cash flow in 4 of the past 5 years.
FRAF Yearly Net Income VS EBIT VS OCF VS FCFFRAF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.65%, FRAF is doing worse than 61.69% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.39%, FRAF is in the better half of the industry, outperforming 62.69% of the companies in the same industry.
Industry RankSector Rank
ROA 0.65%
ROE 9.39%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FRAF Yearly ROA, ROE, ROICFRAF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 19.08%, FRAF is doing worse than 64.93% of the companies in the same industry.
FRAF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FRAF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.08%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.11%
PM growth 5Y-11.06%
GM growth 3YN/A
GM growth 5YN/A
FRAF Yearly Profit, Operating, Gross MarginsFRAF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for FRAF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FRAF Yearly Shares OutstandingFRAF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M
FRAF Yearly Total Debt VS Total AssetsFRAF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.2 Solvency

FRAF has a debt to FCF ratio of 2.81. This is a good value and a sign of high solvency as FRAF would need 2.81 years to pay back of all of its debts.
The Debt to FCF ratio of FRAF (2.81) is comparable to the rest of the industry.
FRAF has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.40, FRAF is doing worse than 72.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC12.63%
FRAF Yearly LT Debt VS Equity VS FCFFRAF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRAF Yearly Current Assets VS Current LiabilitesFRAF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 20M 40M 60M 80M

More info and screens

1

3. Growth

3.1 Past

The earnings per share for FRAF have decreased strongly by -19.52% in the last year.
FRAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.32% yearly.
Looking at the last year, FRAF shows a small growth in Revenue. The Revenue has grown by 3.92% in the last year.
FRAF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.35% yearly.
EPS 1Y (TTM)-19.52%
EPS 3Y-17.19%
EPS 5Y-7.32%
EPS Q2Q%-86.08%
Revenue 1Y (TTM)3.92%
Revenue growth 3Y3.53%
Revenue growth 5Y4.35%
Sales Q2Q%-14.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FRAF Yearly Revenue VS EstimatesFRAF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
FRAF Yearly EPS VS EstimatesFRAF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.87, FRAF is valued correctly.
65.92% of the companies in the same industry are cheaper than FRAF, based on the Price/Earnings ratio.
FRAF is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.87
Fwd PE N/A
FRAF Price Earnings VS Forward Price EarningsFRAF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FRAF indicates a rather cheap valuation: FRAF is cheaper than 81.84% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.7
EV/EBITDA N/A
FRAF Per share dataFRAF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.43%, FRAF has a reasonable but not impressive dividend return.
FRAF's Dividend Yield is a higher than the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.33, FRAF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.43%

5.2 History

The dividend of FRAF has a limited annual growth rate of 4.06%.
FRAF has paid a dividend for at least 10 years, which is a reliable track record.
FRAF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.06%
Div Incr Years0
Div Non Decr Years11
FRAF Yearly Dividends per shareFRAF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

39.85% of the earnings are spent on dividend by FRAF. This is a low number and sustainable payout ratio.
DP39.85%
EPS Next 2YN/A
EPS Next 3YN/A
FRAF Yearly Income VS Free CF VS DividendFRAF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FRAF Dividend Payout.FRAF Dividend Payout, showing the Payout Ratio.FRAF Dividend Payout.PayoutRetained Earnings

More info and screens

FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (3/7/2025, 8:00:01 PM)

37.03

-0.32 (-0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04
Earnings (Next)04-21 2025-04-21
Inst Owners26.47%
Inst Owner Change37.54%
Ins Owners6.25%
Ins Owner Change6.87%
Market Cap163.67M
Analysts0
Price TargetN/A
Short Float %0.1%
Short Ratio0.37
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend1.28
Dividend Growth(5Y)4.06%
DP39.85%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-07 2025-02-07 (0.32)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.87
Fwd PE N/A
P/S 2.22
P/FCF 7.7
P/OCF 6.98
P/B 1.09
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.49
EY6.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.81
FCFY12.99%
OCF(TTM)5.31
OCFY14.33%
SpS16.69
BVpS33.92
TBVpS31.88
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.65%
ROE 9.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.08%
GM N/A
FCFM 28.81%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.11%
PM growth 5Y-11.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Debt/EBITDA N/A
Cap/Depr 106.27%
Cap/Sales 2.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 150.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.63%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.52%
EPS 3Y-17.19%
EPS 5Y-7.32%
EPS Q2Q%-86.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.92%
Revenue growth 3Y3.53%
Revenue growth 5Y4.35%
Sales Q2Q%-14.49%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-19.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-16.6%
OCF growth 3YN/A
OCF growth 5YN/A