Franklin Financial Services Corporation Logo

Franklin Financial Services Corporation

FRAF

(2.0)
Stock Price

32,72 USD

0.76% ROA

11.09% ROE

9.17x PER

Market Cap.

126.924.013,00 USD

4.32% DER

4.4% Yield

18.02% NPM

Franklin Financial Services Corporation Stock Analysis

Franklin Financial Services Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Franklin Financial Services Corporation Fundamental Stock Analysis
# Analysis Rating
1 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

2 ROE

The stock's ROE falls within an average range (12.55%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.85%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.22x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 DER

The stock has a reasonable amount of debt compared to its ownership (79%), suggesting a balanced financial position and a moderate level of risk.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (150), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Franklin Financial Services Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Franklin Financial Services Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Franklin Financial Services Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Franklin Financial Services Corporation Revenue
Year Revenue Growth
1995 3.702.000
1996 4.380.000 15.48%
1997 5.242.000 16.44%
1998 6.091.000 13.94%
1999 18.900.000 67.77%
2000 19.581.000 3.48%
2001 21.213.000 7.69%
2002 21.490.000 1.29%
2003 23.567.000 8.81%
2004 23.083.000 -2.1%
2005 24.533.000 5.91%
2006 29.203.000 15.99%
2007 35.870.000 18.59%
2008 36.657.000 2.15%
2009 38.385.000 4.5%
2010 40.207.000 4.53%
2011 43.077.000 6.66%
2012 41.073.000 -4.88%
2013 40.835.000 -0.58%
2014 41.745.000 2.18%
2015 44.066.000 5.27%
2016 45.484.000 3.12%
2017 48.624.000 6.46%
2018 52.284.000 7%
2019 56.520.000 7.49%
2020 55.957.000 -1.01%
2021 61.078.000 8.38%
2022 65.408.000 6.62%
2023 70.880.000 7.72%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Franklin Financial Services Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Franklin Financial Services Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 6.100.000
1996 6.406.000 4.78%
1997 6.434.000 0.44%
1998 6.053.000 -6.29%
1999 6.400.000 5.42%
2000 6.818.000 6.13%
2001 6.683.000 -2.02%
2002 7.054.000 5.26%
2003 7.441.000 5.2%
2004 8.384.000 11.25%
2005 8.806.000 4.79%
2006 9.774.000 9.9%
2007 11.490.000 14.93%
2008 12.086.000 4.93%
2009 15.648.000 22.76%
2010 16.387.000 4.51%
2011 17.741.000 7.63%
2012 17.719.000 -0.12%
2013 17.569.000 -0.85%
2014 18.087.000 2.86%
2015 17.849.000 -1.33%
2016 18.856.000 5.34%
2017 19.243.000 2.01%
2018 20.648.000 6.8%
2019 22.247.000 7.19%
2020 22.849.000 2.63%
2021 25.515.000 10.45%
2022 28.830.000 11.5%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Franklin Financial Services Corporation EBITDA
Year EBITDA Growth
1995 17.467.000
1996 17.334.000 -0.77%
1997 18.753.000 7.57%
1998 20.221.000 7.26%
1999 22.100.000 8.5%
2000 24.967.000 11.48%
2001 23.644.000 -5.6%
2002 20.220.000 -16.93%
2003 18.330.000 -10.31%
2004 16.937.000 -8.22%
2005 20.852.000 18.78%
2006 31.126.000 33.01%
2007 37.299.000 16.55%
2008 30.600.000 -21.89%
2009 25.314.000 -20.88%
2010 24.914.000 -1.61%
2011 18.222.000 -36.72%
2012 14.740.000 -23.62%
2013 13.868.000 -6.29%
2014 15.568.000 10.92%
2015 16.389.000 5.01%
2016 13.034.000 -25.74%
2017 9.612.000 -35.6%
2018 11.504.000 16.45%
2019 20.365.000 43.51%
2020 14.388.000 -41.54%
2021 24.216.000 40.58%
2022 23.795.000 -1.77%
2023 18.588.000 -28.01%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Franklin Financial Services Corporation Gross Profit
Year Gross Profit Growth
1995 3.702.000
1996 4.380.000 15.48%
1997 5.242.000 16.44%
1998 6.091.000 13.94%
1999 18.900.000 67.77%
2000 19.581.000 3.48%
2001 21.213.000 7.69%
2002 21.490.000 1.29%
2003 23.567.000 8.81%
2004 23.083.000 -2.1%
2005 24.533.000 5.91%
2006 29.203.000 15.99%
2007 35.870.000 18.59%
2008 36.657.000 2.15%
2009 38.385.000 4.5%
2010 40.207.000 4.53%
2011 43.077.000 6.66%
2012 41.073.000 -4.88%
2013 40.835.000 -0.58%
2014 41.745.000 2.18%
2015 44.066.000 5.27%
2016 45.484.000 3.12%
2017 48.624.000 6.46%
2018 52.284.000 7%
2019 56.520.000 7.49%
2020 55.957.000 -1.01%
2021 61.078.000 8.38%
2022 65.408.000 6.62%
2023 70.880.000 7.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Franklin Financial Services Corporation Net Profit
Year Net Profit Growth
1995 4.179.000
1996 4.127.000 -1.26%
1997 4.363.000 5.41%
1998 4.805.000 9.2%
1999 5.100.000 5.78%
2000 5.007.000 -1.86%
2001 5.594.000 10.49%
2002 5.573.000 -0.38%
2003 5.840.000 4.57%
2004 5.192.000 -12.48%
2005 6.112.000 15.05%
2006 7.570.000 19.26%
2007 9.256.000 18.22%
2008 8.595.000 -7.69%
2009 6.585.000 -30.52%
2010 7.612.000 13.49%
2011 6.569.000 -15.88%
2012 5.365.000 -22.44%
2013 6.232.000 13.91%
2014 8.402.000 25.83%
2015 10.204.000 17.66%
2016 8.087.000 -26.18%
2017 2.176.000 -271.65%
2018 6.125.000 64.47%
2019 16.115.000 61.99%
2020 12.800.000 -25.9%
2021 19.616.000 34.75%
2022 14.938.000 -31.32%
2023 15.436.000 3.23%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Franklin Financial Services Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 2 0%
2002 2 0%
2003 2 0%
2004 2 0%
2005 2 0%
2006 2 50%
2007 2 0%
2008 2 0%
2009 2 -100%
2010 2 0%
2011 2 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 50%
2016 2 -100%
2017 1 0%
2018 1 100%
2019 4 66.67%
2020 3 -50%
2021 4 50%
2022 3 -33.33%
2023 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Franklin Financial Services Corporation Free Cashflow
Year Free Cashflow Growth
1995 17.625.000
1996 19.484.000 9.54%
1997 16.172.000 -20.48%
1998 31.065.000 47.94%
1999 4.800.000 -547.19%
2000 2.662.000 -80.32%
2001 5.877.000 54.7%
2002 5.359.000 -9.67%
2003 -570.000 1040.18%
2004 11.984.000 104.76%
2005 12.432.000 3.6%
2006 4.669.000 -166.27%
2007 12.910.000 63.83%
2008 8.907.000 -44.94%
2009 7.095.000 -25.54%
2010 10.236.000 30.69%
2011 14.346.000 28.65%
2012 8.263.000 -73.62%
2013 14.870.000 44.43%
2014 14.011.000 -6.13%
2015 12.638.000 -10.86%
2016 14.277.000 11.48%
2017 15.133.000 5.66%
2018 8.140.000 -85.91%
2019 17.312.000 52.98%
2020 5.951.000 -190.91%
2021 17.542.000 66.08%
2022 13.026.000 -34.67%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Franklin Financial Services Corporation Operating Cashflow
Year Operating Cashflow Growth
1995 17.625.000
1996 19.484.000 9.54%
1997 16.172.000 -20.48%
1998 31.065.000 47.94%
1999 5.500.000 -464.82%
2000 5.139.000 -7.02%
2001 8.892.000 42.21%
2002 6.602.000 -34.69%
2003 376.000 -1655.85%
2004 12.966.000 97.1%
2005 12.899.000 -0.52%
2006 6.716.000 -92.06%
2007 14.987.000 55.19%
2008 11.047.000 -35.67%
2009 8.616.000 -28.21%
2010 12.358.000 30.28%
2011 15.088.000 18.09%
2012 10.560.000 -42.88%
2013 15.397.000 31.42%
2014 14.356.000 -7.25%
2015 13.679.000 -4.95%
2016 14.856.000 7.92%
2017 16.252.000 8.59%
2018 9.302.000 -74.72%
2019 18.966.000 50.95%
2020 6.435.000 -194.73%
2021 26.349.000 75.58%
2022 25.244.000 -4.38%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Franklin Financial Services Corporation Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 700.000 100%
2000 2.477.000 71.74%
2001 3.015.000 17.84%
2002 1.243.000 -142.56%
2003 946.000 -31.4%
2004 982.000 3.67%
2005 467.000 -110.28%
2006 2.047.000 77.19%
2007 2.077.000 1.44%
2008 2.140.000 2.94%
2009 1.521.000 -40.7%
2010 2.122.000 28.32%
2011 742.000 -185.98%
2012 2.297.000 67.7%
2013 527.000 -335.86%
2014 345.000 -52.75%
2015 1.041.000 66.86%
2016 579.000 -79.79%
2017 1.119.000 48.26%
2018 1.162.000 3.7%
2019 1.654.000 29.75%
2020 484.000 -241.74%
2021 8.807.000 94.5%
2022 12.218.000 27.92%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Franklin Financial Services Corporation Equity
Year Equity Growth
1995 34.956.000
1996 35.341.000 1.09%
1997 36.305.000 2.66%
1998 39.901.000 9.01%
1999 39.300.000 -1.53%
2000 43.201.000 9.03%
2001 45.265.000 4.56%
2002 47.228.000 4.16%
2003 51.858.000 8.93%
2004 54.643.000 5.1%
2005 55.670.000 1.84%
2006 71.614.000 22.26%
2007 77.642.000 7.76%
2008 73.059.000 -6.27%
2009 78.766.000 7.25%
2010 82.639.000 4.69%
2011 87.182.000 5.21%
2012 91.634.000 4.86%
2013 95.388.000 3.94%
2014 103.521.000 7.86%
2015 111.376.000 7.05%
2016 116.493.000 4.39%
2017 115.144.000 -1.17%
2018 118.396.000 2.75%
2019 127.528.000 7.16%
2020 145.176.000 12.16%
2021 157.065.000 7.57%
2022 114.197.000 -37.54%
2023 114.769.000 0.5%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Franklin Financial Services Corporation Assets
Year Assets Growth
1995 313.473.000
1996 336.120.000 6.74%
1997 353.865.000 5.01%
1998 425.001.000 16.74%
1999 444.700.000 4.43%
2000 465.985.000 4.57%
2001 498.847.000 6.59%
2002 532.357.000 6.29%
2003 549.702.000 3.16%
2004 563.268.000 2.41%
2005 621.357.000 9.35%
2006 799.333.000 22.27%
2007 820.371.000 2.56%
2008 902.460.000 9.1%
2009 979.373.000 7.85%
2010 951.889.000 -2.89%
2011 990.248.000 3.87%
2012 1.027.363.000 3.61%
2013 984.587.000 -4.34%
2014 1.001.448.000 1.68%
2015 1.035.295.000 3.27%
2016 1.127.443.000 8.17%
2017 1.179.813.000 4.44%
2018 1.209.587.000 2.46%
2019 1.269.157.000 4.69%
2020 1.535.038.000 17.32%
2021 1.773.806.000 13.46%
2022 1.699.579.000 -4.37%
2023 1.827.910.000 7.02%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Franklin Financial Services Corporation Liabilities
Year Liabilities Growth
1995 278.517.000
1996 300.779.000 7.4%
1997 317.560.000 5.28%
1998 385.100.000 17.54%
1999 405.400.000 5.01%
2000 422.784.000 4.11%
2001 453.582.000 6.79%
2002 485.129.000 6.5%
2003 497.844.000 2.55%
2004 508.625.000 2.12%
2005 565.687.000 10.09%
2006 727.719.000 22.27%
2007 742.729.000 2.02%
2008 829.401.000 10.45%
2009 900.607.000 7.91%
2010 869.250.000 -3.61%
2011 903.066.000 3.74%
2012 935.729.000 3.49%
2013 889.199.000 -5.23%
2014 897.927.000 0.97%
2015 923.919.000 2.81%
2016 1.010.950.000 8.61%
2017 1.064.669.000 5.05%
2018 1.091.191.000 2.43%
2019 5.161.000 -21043.01%
2020 24.887.000 79.26%
2021 24.445.000 -1.81%
2022 1.585.382.000 98.46%
2023 1.713.141.000 7.46%

Franklin Financial Services Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.53
Net Income per Share
3.17
Price to Earning Ratio
9.17x
Price To Sales Ratio
1.87x
POCF Ratio
6.08
PFCF Ratio
6.53
Price to Book Ratio
1.11
EV to Sales
1.65
EV Over EBITDA
4.95
EV to Operating CashFlow
5.35
EV to FreeCashFlow
5.75
Earnings Yield
0.11
FreeCashFlow Yield
0.15
Market Cap
0,13 Bil.
Enterprise Value
0,11 Bil.
Graham Number
43.35
Graham NetNet
-283.07

Income Statement Metrics

Net Income per Share
3.17
Income Quality
2.09
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
0.86
EBT Per Ebit
0.39
Ebit per Revenue
0.54
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.03
Operating Profit Margin
0.54
Pretax Profit Margin
0.21
Net Profit Margin
0.18

Dividends

Dividend Yield
0.04
Dividend Yield %
4.4
Payout Ratio
0.3
Dividend Per Share
1.28

Operating Metrics

Operating Cashflow per Share
4.79
Free CashFlow per Share
4.46
Capex to Operating CashFlow
-0.07
Capex to Revenue
-0.02
Capex to Depreciation
-1.05
Return on Invested Capital
0.15
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.33

Balance Sheet

Cash per Share
109,67
Book Value per Share
26,31
Tangible Book Value per Share
24.24
Shareholders Equity per Share
26.31
Interest Debt per Share
5.24
Debt to Equity
0.04
Debt to Assets
0
Net Debt to EBITDA
-0.67
Current Ratio
96.45
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-1,23 Bil.
Invested Capital
0.04
Working Capital
0,47 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Franklin Financial Services Corporation Dividends
Year Dividends Growth
1994 1
1995 1 0%
1996 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Franklin Financial Services Corporation Profile

About Franklin Financial Services Corporation

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. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

CEO
Mr. Timothy G. Henry
Employee
306
Address
20 South Main Street
Chambersburg, 17201-0819

Franklin Financial Services Corporation Executives & BODs

Franklin Financial Services Corporation Executives & BODs
# Name Age
1 Mr. Timothy G. Henry
President, Chief Executive Officer & Director
70
2 Mr. Mark R. Hollar
EVice President, Chief Financial Officer & Treasurer
70

Franklin Financial Services Corporation Competitors