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Last Update: 2023-12-23 06:02:21
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) https://www.franklinfin.com
31.40USD
Sector:
Financial Services
Industry:
Banks-Regional
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
23.45%
FRAF
2.12%
SPY
30.72%
FRAF
25.62%
SPY
112.82%
FRAF
44.80%
SPY
201.04%
FRAF
261.45%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
137.70
-282.12
0.00
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
9.95
2.03
1.20
15.11
4.08
-11.95
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
26.22
100.00
34.86
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
5.7644
1.66
1.13
0.46
Other Earnings and Cash Flow Stats:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Net Income TTM ($MM) is 15.50
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Operating Income TTM ($MM) is 24.70
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Owners' Earnings Annual ($MM) is 0.00
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Current Price to Owners' Earnings ratio is 0.00
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) EBITDA TTM ($MM) is 26.58
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) EBITDA Margin is 34.86%
Capital Allocation:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has paid 1.28 dividends per share and bought back 0.038773 million shares in the past 12 months
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has reduced its debt by 12.548 million USD in the last 12 months
Capital Structure:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Interest-bearing Debt ($MM) as of last quarter is 19
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Annual Working Capital Investments ($MM) are 109
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Book Value ($MM) as of last quarter is 114
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Debt/Capital as of last quarter is 17%
Other Balance Sheet Stats:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has 73 million in cash on hand as of last quarter
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has 75 million of liabilities due within 12 months, and long term debt 89 as of last quarter
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has 4 common shares outstanding as of last quarter
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) has 0 million USD of preferred stock value
Academic Scores:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Altman Z-Score is 0.48 as of last quarter
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) Piotroski Score is 6.00 as of last quarter
Corporate Governance:
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) largest shareholder is Fourthstone LLC owning 286976 shares at 9.01 ($MM) value
Karen K Carmack(an insider) Bought 1 shares of FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) for the amount of $28.48 on 2023-09-20
5.19% of FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) is held by insiders, and 23.35% is held by institutions
FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) went public on 2001-01-02
Other FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) financial metrics:
FCF:19.49
Unlevered Free Cash Flow:0.00
EPS:3.52
Operating Margin:26.22
Gross Profit Margin:100.00
Div. Payout Ratio%:40.55
Div. Growth YoY%:0.00
Equity Return%:13.45
Beta:0.46
Buffet's Owners Earnings:0.00
Price to Owner's Earnings:0.00
About FRANKLIN FINANCIAL SERVICES CORP /PA/ ( FRAF ) :
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
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