FRANKLIN FINANCIAL SERVICES (FRAF)
US3535251082 - Common Stock
FRAF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of FRAF have multiple concerns. FRAF is valued expensive and it does not seem to be growing. Finally FRAF also has an excellent dividend rating.
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.
In the past 5 years FRAF always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FRAF (0.74%) is worse than 60.44% of its industry peers.
FRAF has a Return On Equity of 10.29%. This is in the better half of the industry: FRAF outperforms 60.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 10.29% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.97%
ROE(3y)11.95%
ROE(5y)11.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FRAF (19.85%) is worse than 67.72% of its industry peers.
FRAF's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FRAF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4%
PM growth 5Y11.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
FRAF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FRAF has been reduced compared to 5 years ago.
Compared to 1 year ago, FRAF has a worse debt to assets ratio.
2.2 Solvency
FRAF has a debt to FCF ratio of 4.21. This is a neutral value as FRAF would need 4.21 years to pay back of all of its debts.
FRAF has a worse Debt to FCF ratio (4.21) than 63.84% of its industry peers.
A Debt/Equity ratio of 0.83 indicates that FRAF is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.83, FRAF is doing worse than 79.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 4.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FRAF have decreased by -7.74% in the last year.
The Earnings Per Share has been growing by 17.43% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.52% in the past year.
FRAF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.15% yearly.
EPS 1Y (TTM)-7.74%
EPS 3Y1.82%
EPS 5Y17.43%
EPS growth Q2Q-5.95%
Revenue 1Y (TTM)2.52%
Revenue growth 3Y6.29%
Revenue growth 5Y5.15%
Revenue growth Q2Q-1.24%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.81, the valuation of FRAF can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as FRAF.
Compared to an average S&P500 Price/Earnings ratio of 24.84, FRAF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
FRAF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FRAF is cheaper than 86.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FRAF has a Yearly Dividend Yield of 4.21%, which is a nice return.
Compared to an average industry Dividend Yield of 3.83, FRAF pays a bit more dividend than its industry peers.
FRAF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.06%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
41.14% of the earnings are spent on dividend by FRAF. This is a bit on the high side, but may be sustainable.
The dividend of FRAF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.14%
EPS Next 2YN/A
EPS Next 3YN/A
FRANKLIN FINANCIAL SERVICES
NASDAQ:FRAF (4/26/2024, 7:00:00 PM)
After market: 30.2 -0.2 (-0.66%)30.4
+0.05 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap133.46M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 10.29% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-7.74%
EPS 3Y1.82%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.52%
Revenue growth 3Y6.29%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y