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FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

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

38.54  +0.02 (+0.05%)

Fundamental Rating

2

Overall FRAF gets a fundamental rating of 2 out of 10. We evaluated FRAF against 397 industry peers in the Banks industry. Both the profitability and financial health of FRAF have multiple concerns. FRAF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FRAF had positive earnings in the past year.
In the past year FRAF had a positive cash flow from operations.
Each year in the past 5 years FRAF has been profitable.
In the past 5 years FRAF always reported a positive cash flow from operatings.
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 0.50%, FRAF is doing worse than 73.80% of the companies in the same industry.
FRAF's Return On Equity of 7.67% is in line compared to the rest of the industry. FRAF outperforms 44.84% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 7.67%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.81%
ROE(3y)10.35%
ROE(5y)10.47%
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

The Profit Margin of FRAF (15.59%) is worse than 74.31% 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) 15.59%
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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3

2. Health

2.1 Basic Checks

FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FRAF has more shares outstanding
Compared to 5 years ago, FRAF has more shares outstanding
The debt/assets ratio for FRAF has been reduced compared to a year ago.
FRAF Yearly Shares OutstandingFRAF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of FRAF is 1.03, which is an excellent value as it means it would take FRAF, only 1.03 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.03, FRAF is doing good in the industry, outperforming 72.29% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that FRAF is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.14, FRAF is doing good in the industry, outperforming 62.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC15.45%
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 2024 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 2024 20M 40M 60M 80M

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1

3. Growth

3.1 Past

FRAF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.53%.
FRAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.28% yearly.
The Revenue has been growing slightly by 3.92% in the past year.
The Revenue has been growing slightly by 4.35% on average over the past years.
EPS 1Y (TTM)-19.53%
EPS 3Y-17.14%
EPS 5Y-7.28%
EPS Q2Q%-86.1%
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 15.48.
FRAF's Price/Earnings ratio is a bit more expensive when compared to the industry. FRAF is more expensive than 72.29% of the companies in the same industry.
When comparing the Price/Earnings ratio of FRAF to the average of the S&P500 Index (24.29), we can say FRAF is valued slightly cheaper.
Industry RankSector Rank
PE 15.48
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

Based on the Price/Free Cash Flow ratio, FRAF is valued a bit cheaper than 72.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.92
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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5

5. Dividend

5.1 Amount

FRAF has a Yearly Dividend Yield of 3.42%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.49, FRAF has a dividend in line with its industry peers.
FRAF's Dividend Yield is a higher than the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 3.42%

5.2 History

The dividend of FRAF has a limited annual growth rate of 1.92%.
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)1.92%
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 50.72% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of FRAF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP50.72%
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 (5/7/2025, 4:30:01 PM)

38.54

+0.02 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-21 2025-07-21
Inst Owners26.47%
Inst Owner Change1.07%
Ins Owners6.25%
Ins Owner Change7%
Market Cap171.12M
Analysts0
Price TargetN/A
Short Float %0.32%
Short Ratio0.71
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
Yearly Dividend1.28
Dividend Growth(5Y)1.92%
DP50.72%
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 15.48
Fwd PE N/A
P/S 2.4
P/FCF 8.92
P/OCF 7.87
P/B 1.18
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)2.49
EY6.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.32
FCFY11.21%
OCF(TTM)4.9
OCFY12.71%
SpS16.03
BVpS32.59
TBVpS30.56
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 7.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.59%
GM N/A
FCFM 26.95%
ROA(3y)0.71%
ROA(5y)0.81%
ROE(3y)10.35%
ROE(5y)10.47%
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 0.14
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr 122.82%
Cap/Sales 3.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 172.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC15.45%
ROIC/WACCN/A
Cap/Depr(3y)332.06%
Cap/Depr(5y)353.29%
Cap/Sales(3y)7.54%
Cap/Sales(5y)7.44%
Profit Quality(3y)150.57%
Profit Quality(5y)117.54%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.53%
EPS 3Y-17.14%
EPS 5Y-7.28%
EPS Q2Q%-86.1%
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-26.39%
FCF growth 3Y3.04%
FCF growth 5Y2.07%
OCF growth 1Y-18.11%
OCF growth 3Y-6.19%
OCF growth 5Y2.78%