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FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

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

38.5  -0.1 (-0.26%)

Fundamental Rating

2

FRAF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. FRAF may be in some trouble as it scores bad on both profitability and health. FRAF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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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.
FRAF had positive earnings in each of the past 5 years.
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 62.06% of the companies in the same industry.
FRAF has a Return On Equity of 9.39%. This is in the better half of the industry: FRAF outperforms 62.81% of its industry peers.
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

FRAF has a worse Profit Margin (19.08%) than 64.82% of its industry peers.
In the last couple of years the Profit Margin of FRAF has declined.
FRAF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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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

The Debt to FCF ratio of FRAF is 2.81, which is a good value as it means it would take FRAF, 2.81 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FRAF (2.81) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.40 indicates that FRAF is not too dependend on debt financing.
FRAF has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: FRAF underperforms 73.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC12.6%
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

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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.
FRAF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.92%.
The Revenue has been growing slightly by 4.35% on average over the past years.
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

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2

4. Valuation

4.1 Price/Earnings Ratio

FRAF is valuated correctly with a Price/Earnings ratio of 15.46.
FRAF's Price/Earnings ratio is a bit more expensive when compared to the industry. FRAF is more expensive than 73.62% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.63, FRAF is valued a bit cheaper.
Industry RankSector Rank
PE 15.46
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

FRAF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FRAF is cheaper than 73.12% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.04
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

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.54%, FRAF has a reasonable but not impressive dividend return.
FRAF's Dividend Yield is comparable with the industry average which is at 3.66.
FRAF's Dividend Yield is a higher than the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 3.54%

5.2 History

The dividend of FRAF has a limited annual growth rate of 4.06%.
FRAF has been paying a dividend for at least 10 years, so it has a reliable track record.
FRAF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

FRAF pays out 39.85% of its income as dividend. This is a 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

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FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (4/22/2025, 9:36:21 AM)

38.5

-0.1 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04
Earnings (Next)04-29 2025-04-29
Inst Owners26.47%
Inst Owner Change0%
Ins Owners6.25%
Ins Owner Change6.92%
Market Cap170.94M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 3.54%
Yearly Dividend1.28
Dividend Growth(5Y)4.06%
DP39.85%
Div Incr Years0
Div Non Decr Years11
Ex-Date05-02 2025-05-02 (0.33)
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 15.46
Fwd PE N/A
P/S 2.32
P/FCF 8.04
P/OCF 7.29
P/B 1.14
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.49
EY6.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.79
FCFY12.44%
OCF(TTM)5.28
OCFY13.72%
SpS16.62
BVpS33.77
TBVpS31.74
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
WACC12.6%
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