FRAF Franklin Financial Services Corp.
Price (delayed)
$35.4
Market cap
$157.19M
P/E Ratio
14.05
Dividend/share
$1.28
EPS
$2.52
Enterprise value
$177.54M
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
Highlights
The debt has increased by 45% year-on-year but it has declined by 15% since the previous quarter
FRAF's equity is up by 10% year-on-year but it is down by 3.5% since the previous quarter
The P/E is 60% higher than the 5-year quarterly average of 8.8 and 45% higher than the last 4 quarters average of 9.7
Franklin Financial Services's EPS has decreased by 21% from the previous quarter and by 19% YoY
Key stats
What are the main financial stats of FRAF
Market
Valuations
Earnings
Shares outstanding
4.44M
Market cap
$157.19M
Enterprise value
$177.54M
Price to earnings (P/E)
14.05
Price to book (P/B)
1.08
Price to sales (P/S)
2.26
EV/EBIT
13.33
EV/EBITDA
11.52
EV/Sales
2.57
Revenue
$69.21M
Gross profit
$69.21M
Operating income
$13.32M
Net income
$11.1M
EBIT
$13.32M
EBITDA
$15.41M
Free cash flow
$19.19M
Per share
Balance sheet
Liquidity
EPS
$2.52
EPS diluted
$2.51
Free cash flow per share
$4.35
Book value per share
$32.77
Revenue per share
$15.67
TBVPS
$495.69
Total assets
$2.2B
Total liabilities
$2.05B
Debt
$223.96M
Equity
$144.72M
Working capital
N/A
Debt to equity
1.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.32
Margins
Efficiency
Dividend
EBITDA margin
22.3%
Gross margin
100%
Net margin
16%
Operating margin
19.2%
Return on assets
0.5%
Return on equity
7.8%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
19.2%
Dividend yield
3.62%
DPS
$1.28
Payout ratio
50.8%
FRAF stock price
How has the Franklin Financial Services stock price performed over time
Intraday
-0.2%
1 week
-0.92%
1 month
-6.08%
1 year
35.11%
YTD
18.39%
QTD
18.39%
Financial performance
How have Franklin Financial Services's revenue and profit performed over time
Revenue
$69.21M
Gross profit
$69.21M
Operating income
$13.32M
Net income
$11.1M
Gross margin
100%
Net margin
16%
The net margin has declined by 23% year-on-year and by 19% since the previous quarter
Franklin Financial Services's operating income has decreased by 21% QoQ and by 15% YoY
The net income has contracted by 21% from the previous quarter and by 18% YoY
Franklin Financial Services's operating margin has decreased by 20% YoY and by 18% from the previous quarter
Growth
What is Franklin Financial Services's growth rate over time
Valuation
What is Franklin Financial Services stock price valuation
P/E
14.05
P/B
1.08
P/S
2.26
EV/EBIT
13.33
EV/EBITDA
11.52
EV/Sales
2.57
The P/E is 60% higher than the 5-year quarterly average of 8.8 and 45% higher than the last 4 quarters average of 9.7
Franklin Financial Services's EPS has decreased by 21% from the previous quarter and by 19% YoY
The P/B is 20% above the last 4 quarters average of 0.9 and 8% above the 5-year quarterly average of 1.0
FRAF's equity is up by 10% year-on-year but it is down by 3.5% since the previous quarter
FRAF's price to sales (P/S) is 26% higher than its last 4 quarters average of 1.8 and 8% higher than its 5-year quarterly average of 2.1
The revenue is up by 5% year-on-year but it has declined by 3.2% since the previous quarter
Efficiency
How efficient is Franklin Financial Services business performance
FRAF's ROA is down by 38% YoY and by 29% from the previous quarter
FRAF's ROIC is down by 33% YoY and by 25% QoQ
Franklin Financial Services's return on equity has decreased by 30% YoY and by 24% QoQ
Franklin Financial Services's ROS has decreased by 20% YoY and by 18% from the previous quarter
Dividends
What is FRAF's dividend history
DPS
$1.28
Dividend yield
3.62%
Payout ratio
50.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Franklin Financial Services financials performed over time
The total assets is 7% more than the total liabilities
Franklin Financial Services's total liabilities has increased by 20% YoY and by 2.6% from the previous quarter
The total assets has increased by 20% YoY and by 2.2% from the previous quarter
The debt is 55% greater than the equity
The debt has increased by 45% year-on-year but it has declined by 15% since the previous quarter
Franklin Financial Services's debt to equity has increased by 32% YoY but it has decreased by 12% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.