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FRAF Franklin Financial Services Corp.
- Stocks
- Financial Services
- NASDAQ: FRAF
Price (delayed)
$36.95
Market cap
$164.73M
P/E Ratio
14.1
Dividend/share
$1.29
EPS
$2.62
Enterprise value
$163.74M
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 declined by 26% year-on-year
FRAF's equity is up by 13% year-on-year and by 4.6% since the previous quarter
Franklin Financial Services's EPS has decreased by 17% YoY but it has increased by 4% from the previous quarter
The net income has contracted by 15% YoY but it has grown by 5% from the previous quarter
The P/E is 57% higher than the 5-year quarterly average of 9.0 and 28% higher than the last 4 quarters average of 11.0
Key stats
What are the main financial stats of FRAF
Market
Valuations
Earnings
Shares outstanding
4.46M
Market cap
$164.73M
Enterprise value
$163.74M
Price to earnings (P/E)
14.1
Price to book (P/B)
1.08
Price to sales (P/S)
2.3
EV/EBIT
11.58
EV/EBITDA
10.09
EV/Sales
2.3
Revenue
$71.31M
Gross profit
$71.31M
Operating income
$14.14M
Net income
$11.66M
EBIT
$14.14M
EBITDA
$16.23M
Free cash flow
$21.32M
Per share
Balance sheet
Liquidity
EPS
$2.62
EPS diluted
$2.59
Free cash flow per share
$4.8
Book value per share
$34.09
Revenue per share
$16.06
TBVPS
$506.36
Total assets
$2.26B
Total liabilities
$2.11B
Debt
$223.96M
Equity
$151.39M
Working capital
N/A
Debt to equity
1.48
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.06
Margins
Efficiency
Dividend
EBITDA margin
22.8%
Gross margin
100%
Net margin
16.4%
Operating margin
19.8%
Return on assets
0.5%
Return on equity
8%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
19.8%
Dividend yield
3.49%
DPS
$1.29
Payout ratio
49.2%
FRAF stock price
How has the Franklin Financial Services stock price performed over time
Intraday
-2.22%
1 week
-4.27%
1 month
-3.9%
1 year
40.55%
YTD
23.58%
QTD
4.23%
Financial performance
How have Franklin Financial Services's revenue and profit performed over time
Revenue
$71.31M
Gross profit
$71.31M
Operating income
$14.14M
Net income
$11.66M
Gross margin
100%
Net margin
16.4%
The net margin has declined by 19% year-on-year but it has increased by 2.5% since the previous quarter
Franklin Financial Services's operating margin has decreased by 18% YoY but it has increased by 3.1% from the previous quarter
The net income has contracted by 15% YoY but it has grown by 5% from the previous quarter
Franklin Financial Services's operating income has decreased by 13% YoY but it has increased by 6% QoQ
Price vs fundamentals
How does FRAF's price correlate with its fundamentals
Growth
What is Franklin Financial Services's growth rate over time
Valuation
What is Franklin Financial Services stock price valuation
P/E
14.1
P/B
1.08
P/S
2.3
EV/EBIT
11.58
EV/EBITDA
10.09
EV/Sales
2.3
The P/E is 57% higher than the 5-year quarterly average of 9.0 and 28% higher than the last 4 quarters average of 11.0
Franklin Financial Services's EPS has decreased by 17% YoY but it has increased by 4% from the previous quarter
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 13% year-on-year and by 4.6% since the previous quarter
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 6% year-on-year and by 3% since the previous quarter
Efficiency
How efficient is Franklin Financial Services business performance
FRAF's ROA is down by 29% YoY
Franklin Financial Services's return on equity has decreased by 27% YoY but it has increased by 2.6% QoQ
FRAF's ROIC is down by 25% YoY
Franklin Financial Services's ROS has decreased by 18% YoY but it has increased by 3.1% from the previous quarter
Dividends
What is FRAF's dividend history
DPS
$1.29
Dividend yield
3.49%
Payout ratio
49.2%
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 12% YoY and by 2.6% from the previous quarter
The total assets has increased by 12% YoY and by 2.7% from the previous quarter
The debt is 48% greater than the equity
Franklin Financial Services's debt to equity has decreased by 35% YoY and by 4.5% from the previous quarter
The debt has declined by 26% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.