FRAF Franklin Financial Services Corp.
Price (delayed)
$37.1
Market cap
$163.82M
P/E Ratio
11.59
Dividend/share
$1.28
EPS
$3.2
Enterprise value
$191.6M
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
FRAF's equity is up by 31% year-on-year and by 10% since the previous quarter
FRAF's gross profit is up by 8% YoY and by 3.1% from the previous quarter
The debt has soared by 96% year-on-year but it has declined by 13% since the previous quarter
The P/E is 35% higher than the 5-year quarterly average of 8.6 and 26% higher than the last 4 quarters average of 9.2
Key stats
What are the main financial stats of FRAF
Market
Valuations
Earnings
Shares outstanding
4.42M
Market cap
$163.82M
Enterprise value
$191.6M
Price to earnings (P/E)
11.59
Price to book (P/B)
1.09
Price to sales (P/S)
2.29
EV/EBIT
11.39
EV/EBITDA
10.14
EV/Sales
2.68
Revenue
$71.52M
Gross profit
$71.52M
Operating income
$16.82M
Net income
$14.08M
EBIT
$16.82M
EBITDA
$18.89M
Free cash flow
$21.25M
Per share
Balance sheet
Liquidity
EPS
$3.2
EPS diluted
$3.17
Free cash flow per share
$4.82
Book value per share
$34.01
Revenue per share
$16.22
TBVPS
$485.91
Total assets
$2.15B
Total liabilities
$2B
Debt
$264.09M
Equity
$149.93M
Working capital
N/A
Debt to equity
1.76
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.47
Margins
Efficiency
Dividend
EBITDA margin
26.4%
Gross margin
100%
Net margin
19.7%
Operating margin
23.5%
Return on assets
0.7%
Return on equity
10.2%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
23.5%
Dividend yield
3.45%
DPS
$1.28
Payout ratio
40%
FRAF stock price
How has the Franklin Financial Services stock price performed over time
Intraday
-0.35%
1 week
-2.29%
1 month
11.28%
1 year
39.95%
YTD
24.08%
QTD
24.08%
Financial performance
How have Franklin Financial Services's revenue and profit performed over time
Revenue
$71.52M
Gross profit
$71.52M
Operating income
$16.82M
Net income
$14.08M
Gross margin
100%
Net margin
19.7%
FRAF's gross profit is up by 8% YoY and by 3.1% from the previous quarter
The revenue is up by 8% year-on-year and by 3.1% since the previous quarter
The net margin has declined by 6% year-on-year
Franklin Financial Services's operating income has increased by 4.6% YoY and by 2.8% QoQ
Growth
What is Franklin Financial Services's growth rate over time
Valuation
What is Franklin Financial Services stock price valuation
P/E
11.59
P/B
1.09
P/S
2.29
EV/EBIT
11.39
EV/EBITDA
10.14
EV/Sales
2.68
The P/E is 35% higher than the 5-year quarterly average of 8.6 and 26% higher than the last 4 quarters average of 9.2
Franklin Financial Services's EPS has increased by 2.2% from the previous quarter
FRAF's equity is up by 31% year-on-year and by 10% since the previous quarter
The P/B is 21% above the last 4 quarters average of 0.9 and 9% above the 5-year quarterly average of 1.0
FRAF's price to sales (P/S) is 21% higher than its last 4 quarters average of 1.9 and 10% higher than its 5-year quarterly average of 2.1
The revenue is up by 8% year-on-year and by 3.1% since the previous quarter
Efficiency
How efficient is Franklin Financial Services business performance
FRAF's ROA is down by 13% YoY
Franklin Financial Services's return on equity has decreased by 13% YoY and by 3.8% QoQ
FRAF's ROIC is down by 11% YoY
Franklin Financial Services's ROS has decreased by 3.3% YoY
Dividends
What is FRAF's dividend history
DPS
$1.28
Dividend yield
3.45%
Payout ratio
40%
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
The total assets has increased by 18% YoY and by 6% from the previous quarter
Franklin Financial Services's total liabilities has increased by 17% YoY and by 5% from the previous quarter
The debt is 76% greater than the equity
The debt has soared by 96% year-on-year but it has declined by 13% since the previous quarter
Franklin Financial Services's debt to equity has soared by 50% YoY but it has decreased by 21% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.