53.31 USD
+3.27 (+6.53%)
Taking everything into account, FRAF scores 3 out of 10 in our fundamental rating. FRAF was compared to 387 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.
1. Profitability
1.1 Basic Checks
In the past year FRAF was profitable.
In the past year FRAF had a positive cash flow from operations.
FRAF had positive earnings in each of the past 5 years.
Each year in the past 5 years FRAF had a positive operating cash flow.
1.2 Ratios
FRAF's Return On Assets of 0.68% is on the low side compared to the rest of the industry. FRAF is outperformed by 67.70% of its industry peers.
The Return On Equity of FRAF (9.42%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 9.42% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 19.37%, FRAF is doing worse than 68.48% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.37% | ||
| 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
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 more shares outstanding than it did 1 year ago.
FRAF has more shares outstanding than it did 5 years ago.
FRAF has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FRAF is 0.44, which is an excellent value as it means it would take FRAF, only 0.44 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FRAF (0.44) is better than 81.14% of its industry peers.
FRAF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.07, FRAF is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.62% over the past year.
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 grown by 9.63% in the past year. This is quite good.
Measured over the past years, FRAF shows a small growth in Revenue. The Revenue has been growing by 4.35% on average per year.
EPS 1Y (TTM)10.62%
EPS 3Y-17.14%
EPS 5Y-7.28%
EPS Q2Q%25.26%
Revenue 1Y (TTM)9.63%
Revenue growth 3Y3.53%
Revenue growth 5Y4.35%
Sales Q2Q%17.89%
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
Based on the Price/Earnings ratio of 15.23, the valuation of FRAF can be described as correct.
Based on the Price/Earnings ratio, FRAF is valued a bit more expensive than the industry average as 66.93% of the companies are valued more cheaply.
FRAF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FRAF indicates a somewhat cheap valuation: FRAF is cheaper than 68.99% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.63%, FRAF has a reasonable but not impressive dividend return.
FRAF's Dividend Yield is comparable with the industry average which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, FRAF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
5.2 History
The dividend of FRAF has a limited annual growth rate of 1.92%.
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)1.92%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
FRAF pays out 36.86% of its income as dividend. This is a sustainable payout ratio.
DP36.86%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:FRAF (1/8/2026, 8:00:01 PM)
53.31
+3.27 (+6.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.31%
Inst Owner Change0%
Ins Owners5.2%
Ins Owner Change-1.6%
Market Cap238.83M
Revenue(TTM)80.90M
Net Income(TTM)15.67M
Analysts0
Price TargetN/A
Short Float %1.13%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Yearly Dividend1.28
Dividend Growth(5Y)1.92%
DP36.86%
Div Incr Years0
Div Non Decr Years11
Ex-DateN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | N/A | ||
| P/S | 2.95 | ||
| P/FCF | 9.65 | ||
| P/OCF | 9.18 | ||
| P/B | 1.44 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY6.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.52
FCFY10.36%
OCF(TTM)5.81
OCFY10.89%
SpS18.06
BVpS37.13
TBVpS35.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number54.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 9.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.37% | ||
| GM | N/A | ||
| FCFM | 30.59% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.44 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 59.63% | ||
| Cap/Sales | 1.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 157.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.13%
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)10.62%
EPS 3Y-17.14%
EPS 5Y-7.28%
EPS Q2Q%25.26%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y3.53%
Revenue growth 5Y4.35%
Sales Q2Q%17.89%
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-6.42%
FCF growth 3Y3.04%
FCF growth 5Y2.07%
OCF growth 1Y-7.53%
OCF growth 3Y-6.19%
OCF growth 5Y2.78%
FRANKLIN FINANCIAL SERVICES / FRAF FAQ
Can you provide the ChartMill fundamental rating for FRANKLIN FINANCIAL SERVICES?
ChartMill assigns a fundamental rating of 3 / 10 to FRAF.
What is the valuation status of FRANKLIN FINANCIAL SERVICES (FRAF) stock?
ChartMill assigns a valuation rating of 2 / 10 to FRANKLIN FINANCIAL SERVICES (FRAF). This can be considered as Overvalued.
What is the profitability of FRAF stock?
FRANKLIN FINANCIAL SERVICES (FRAF) has a profitability rating of 2 / 10.
Can you provide the financial health for FRAF stock?
The financial health rating of FRANKLIN FINANCIAL SERVICES (FRAF) is 3 / 10.
Can you provide the dividend sustainability for FRAF stock?
The dividend rating of FRANKLIN FINANCIAL SERVICES (FRAF) is 6 / 10 and the dividend payout ratio is 36.86%.