NASDAQ
FRAF
Last Price
US $63.84
KEY FIGURES
MKT CAP
$284.0M
EPS
TTM
$5.32
PEG
TTM
0.12x
P/E
TTM
11.82x
P/S
TTM
2.13x
YIELD
2.10%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Franklin Financial Services Corporation cash flow to debt ratio of 11.85% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Franklin Financial Services Corporation's free cash flow has increased 28.08% from $19.19M last year to $24.58M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Franklin Financial Services Corporation's debt to equity ratio is 1.20, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Franklin Financial Services Corporation's debt has decreased relative to shareholder equity from 1.55 last year to 1.20 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Franklin Financial Services Corporation has a net debt to EBITDA ratio of 3.03x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Franklin Financial Services Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Franklin Financial Services Corporation's profit margin has increased (82.74%) in the last year from 9.75% to 17.82%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Franklin Financial Services Corporation's short-term liabilities of $1.84G exceed its short-term assets of $229.81M, signaling financial risk
Decreasing performance - ROA.
Franklin Financial Services Corporation's return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Franklin Financial Services Corporation's return on equity of 14.13%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Franklin Financial Services Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Franklin Financial Services Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Franklin Financial Services Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Franklin Financial Services Corporation has a free cash flow yield of 8.65%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Franklin Financial Services Corporation's yearly earnings has increased 91.24% since last year from $11.10M to $21.23M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Franklin Financial Services Corporation's yearly revenue has increased 17.32% since last year from $113.83M to $133.55M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Franklin Financial Services Corporation's 3-year revenue CAGR of 23.87% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Franklin Financial Services Corporation had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Franklin Financial Services Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Franklin Financial Services Corporation is overvalued relative to its fair value price of 54.32 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Franklin Financial Services Corporation has an earnings yield of 8.42%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Franklin Financial Services Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Franklin Financial Services Corporation has an EV/EBITDA ratio of 14.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Franklin Financial Services Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Franklin Financial Services Corporation has a price-to-book ratio of 1.59x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Franklin Financial Services Corporation has a price-to-sales ratio of 2.11x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
14.13%
Return on equity
ROIC: 1.04%
Valuation History
11.8X
Price to Earnings
EV/EBITDA: 14.9X
Cash flow
Profit margin
17.38%
(FY vs FY)
EBITDA Y/Y
14.58%
(FY vs FY)
Cash flow Y/Y
32.80%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $63.84
-14.91%
Default assumptions
EBITDA Multiple
Fair Value
Market $63.84
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Default assumptions
Base valuations use default assumptions. Customize in the Valuator.