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Ticker
FRAF

Price
34.00
Stock movement down
-0.39 (-1.13%)
Company name
Franklin Financial Services Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
150.13M
Ent value
1.91B
Price/Sales
1.47
Price/Book
1.00
Div yield
3.76%
Div growth
4.04%
Growth years
6
FCF payout
26.84%
Trailing P/E
10.66
Forward P/E
-
PEG
-
EPS growth
17.42%
1 year return
30.72%
3 year return
0.14%
5 year return
0.86%
10 year return
6.10%
Last updated: 2025-04-11

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.28
Dividend yield3.76%
Payout frequency-
Maximum yield5.71%
Average yield4.25%
Minimum yield-
Discount to avg yield-13.00%
Upside potential-11.50%
Yield as % of max yield65.95%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.76%
Current yield distribution93.02%
Yield at 100% (Min)-
Yield at 90%3.80%
Yield at 80%3.89%
Yield at 50% (Median)4.17%
Yield at 20%4.63%
Yield at 10%4.90%
Yield at 0% (Max)5.71%

Dividend per share

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Dividend per share data
Years of growth6 years
CCC statusDividend Challenger
Dividend per share1.28
Payout frequency-
Ex-div date7 Feb 2025
EPS (TTM)3.17
EPS (1y forward)-
EPS growth (5y)17.42%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FRAFS&P500
DGR MR3.23%-13.74%
DGR TTM-6.60%
DGR 3 years2.17%5.24%
DGR 5 years4.04%5.40%
DGR 10 years6.53%7.07%
DGR 15 years1.20%6.12%
Time since last change announced1373 days
EPS growth (5y)17.42%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM39.86%26.84%
Average45.67%29.13%
Forward--

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.66
Price to OCF6.49
Price to FCF7.18
Price to EBITDA-
EV to EBITDA-

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.47
Price to Book1.00
EV to Sales18.78

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count4.42M
EPS (TTM)3.17
FCF per share (TTM)4.71

Income statement

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Income statement data
Revenue (TTM)101.88M
Gross profit (TTM)113.59M
Operating income (TTM)63.77M
Net income (TTM)14.08M
EPS (TTM)3.17
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)111.49%
Operating margin (TTM)62.60%
Profit margin (TTM)13.82%

Balance Sheet

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Balance Sheet data
Cash238.07M
Net receivables0.00
Total current assets492.76M
Goodwill9.02M
Intangible assets0.00
Property, plant and equipment33.41M
Total assets2.15B
Accounts payable0.00
Short/Current long term debt264.09M
Total current liabilities4.40M
Total liabilities2.00B
Shareholder's equity149.93M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)23.12M
Capital expenditures (TTM)2.20M
Free cash flow (TTM)20.91M
Dividends paid (TTM)5.61M

Financial returns

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Financial returns data
Return on Equity9.39%
Return on Assets0.65%
Return on Invested Capital3.40%
Cash Return on Invested Capital5.05%

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iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open34.55
Daily high34.55
Daily low33.96
Daily Volume19K
All-time high39.38
1y analyst estimate-
Beta0.29
EPS (TTM)3.17
Dividend per share1.28
Ex-div date7 Feb 2025
Next earnings date21 Apr 2025

Downside potential

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Downside potential data
FRAFS&P500
Current price drop from All-time high-13.66%-12.89%
Highest price drop-100.00%-56.47%
Date of highest drop8 Dec 20239 Mar 2009
Avg drop from high-25.07%-11.07%
Avg time to new high40 days12 days
Max time to new high3503 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FRAF (Franklin Financial Services Corp) company logo
Marketcap
150.13M
Marketcap category
Small-cap
Description
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 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, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; 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, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
Employees
306
Investor relations
SEC filings
CEO
Timothy G. Henry
Country
USA
City
Chambersburg
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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