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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
FRAF's Cash to Debt is ranked higher than
99% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. FRAF: No Debt )
Ranked among companies with meaningful Cash to Debt only.
FRAF' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.41 Max: No Debt
Current: No Debt
Equity to Asset 0.10
FRAF's Equity to Asset is ranked higher than
52% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FRAF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FRAF' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.1
Current: 0.1
0.08
0.1
Interest Coverage 3.27
FRAF's Interest Coverage is ranked higher than
70% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FRAF: 3.27 )
Ranked among companies with meaningful Interest Coverage only.
FRAF' s 10-Year Interest Coverage Range
Min: 0.34  Med: 0.65 Max: 3.27
Current: 3.27
0.34
3.27
F-Score: 6
WACC vs ROIC
4.96%
19.60%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 27.10
FRAF's Operating margin (%) is ranked lower than
57% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. FRAF: 27.10 )
Ranked among companies with meaningful Operating margin (%) only.
FRAF' s 10-Year Operating margin (%) Range
Min: -211.48  Med: 26.57 Max: 33.56
Current: 27.1
-211.48
33.56
Net-margin (%) 21.55
FRAF's Net-margin (%) is ranked higher than
50% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. FRAF: 21.55 )
Ranked among companies with meaningful Net-margin (%) only.
FRAF' s 10-Year Net-margin (%) Range
Min: 12.86  Med: 25.24 Max: 112.88
Current: 21.55
12.86
112.88
ROE (%) 9.29
FRAF's ROE (%) is ranked higher than
57% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FRAF: 9.29 )
Ranked among companies with meaningful ROE (%) only.
FRAF' s 10-Year ROE (%) Range
Min: 6  Med: 11.74 Max: 12.88
Current: 9.29
6
12.88
ROA (%) 0.93
FRAF's ROA (%) is ranked higher than
57% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FRAF: 0.93 )
Ranked among companies with meaningful ROA (%) only.
FRAF' s 10-Year ROA (%) Range
Min: 0.53  Med: 1.07 Max: 1.27
Current: 0.93
0.53
1.27
Revenue Growth (3Y)(%) -2.20
FRAF's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FRAF: -2.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FRAF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.2  Med: 5.40 Max: 63.5
Current: -2.2
-2.2
63.5
EBITDA Growth (3Y)(%) 8.80
FRAF's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FRAF: 8.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FRAF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15.9  Med: 1.20 Max: 14.4
Current: 8.8
-15.9
14.4
EPS Growth (3Y)(%) 6.40
FRAF's EPS Growth (3Y)(%) is ranked lower than
59% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FRAF: 6.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FRAF' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.5  Med: 4.80 Max: 15.9
Current: 6.4
-9.5
15.9
» FRAF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 10.74
FRAF's P/E(ttm) is ranked higher than
70% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. FRAF: 10.74 )
Ranked among companies with meaningful P/E(ttm) only.
FRAF' s 10-Year P/E(ttm) Range
Min: 6.31  Med: 10.95 Max: 19.13
Current: 10.74
6.31
19.13
Forward P/E 12.00
FRAF's Forward P/E is ranked higher than
52% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. FRAF: 12.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.90
FRAF's PE(NRI) is ranked higher than
70% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. FRAF: 10.90 )
Ranked among companies with meaningful PE(NRI) only.
FRAF' s 10-Year PE(NRI) Range
Min: 6.3  Med: 10.98 Max: 19.18
Current: 10.9
6.3
19.18
P/B 0.96
FRAF's P/B is ranked higher than
61% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FRAF: 0.96 )
Ranked among companies with meaningful P/B only.
FRAF' s 10-Year P/B Range
Min: 0.57  Med: 0.88 Max: 1.73
Current: 0.96
0.57
1.73
P/S 2.30
FRAF's P/S is ranked higher than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FRAF: 2.30 )
Ranked among companies with meaningful P/S only.
FRAF' s 10-Year P/S Range
Min: 1.14  Med: 1.99 Max: 4.43
Current: 2.3
1.14
4.43
POCF 6.94
FRAF's POCF is ranked higher than
62% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. FRAF: 6.94 )
Ranked among companies with meaningful POCF only.
FRAF' s 10-Year POCF Range
Min: 3.24  Med: 5.89 Max: 30.84
Current: 6.94
3.24
30.84
EV-to-EBIT 3.05
FRAF's EV-to-EBIT is ranked higher than
95% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. FRAF: 3.05 )
Ranked among companies with meaningful EV-to-EBIT only.
FRAF' s 10-Year EV-to-EBIT Range
Min: -5.4  Med: 13.20 Max: 105.3
Current: 3.05
-5.4
105.3
Shiller P/E 13.32
FRAF's Shiller P/E is ranked higher than
67% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. FRAF: 13.32 )
Ranked among companies with meaningful Shiller P/E only.
FRAF' s 10-Year Shiller P/E Range
Min: 5.8  Med: 9.56 Max: 16.67
Current: 13.32
5.8
16.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.91
FRAF's Dividend Yield is ranked higher than
55% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FRAF: 2.91 )
Ranked among companies with meaningful Dividend Yield only.
FRAF' s 10-Year Dividend Yield Range
Min: 2.67  Med: 4.25 Max: 8.74
Current: 2.91
2.67
8.74
Dividend Payout 0.30
FRAF's Dividend Payout is ranked higher than
57% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FRAF: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
FRAF' s 10-Year Dividend Payout Range
Min: 0.25  Med: 0.49 Max: 2.02
Current: 0.3
0.25
2.02
Dividend growth (3y) -14.30
FRAF's Dividend growth (3y) is ranked lower than
83% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FRAF: -14.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
FRAF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.60 Max: 39
Current: -14.3
0
39
Yield on cost (5-Year) 1.61
FRAF's Yield on cost (5-Year) is ranked lower than
75% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. FRAF: 1.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FRAF' s 10-Year Yield on cost (5-Year) Range
Min: 1.5  Med: 2.39 Max: 4.91
Current: 1.61
1.5
4.91
Share Buyback Rate -1.90
FRAF's Share Buyback Rate is ranked higher than
50% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FRAF: -1.90 )
Ranked among companies with meaningful Share Buyback Rate only.
FRAF' s 10-Year Share Buyback Rate Range
Min: 1.4  Med: -0.30 Max: -4.5
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
FRAF's Price/Tangible Book is ranked higher than
58% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FRAF: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
FRAF' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 1.18 Max: 1.78
Current: 1.06
0.65
1.78
Price/Projected FCF 0.83
FRAF's Price/Projected FCF is ranked lower than
63% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FRAF: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
FRAF' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.60 Max: 1.3
Current: 0.83
0.34
1.3
Price/Median PS Value 1.18
FRAF's Price/Median PS Value is ranked lower than
63% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FRAF: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
FRAF' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 1.26 Max: 4.73
Current: 1.18
0.57
4.73
Price/Peter Lynch Fair Value 1.91
FRAF's Price/Peter Lynch Fair Value is ranked lower than
82% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FRAF: 1.91 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FRAF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58  Med: 1.42 Max: 2.84
Current: 1.91
0.58
2.84
Price/Graham Number 0.72
FRAF's Price/Graham Number is ranked higher than
64% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FRAF: 0.72 )
Ranked among companies with meaningful Price/Graham Number only.
FRAF' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 0.76 Max: 1.41
Current: 0.72
0.47
1.41
Earnings Yield (Greenblatt) (%) 32.79
FRAF's Earnings Yield (Greenblatt) (%) is ranked higher than
95% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FRAF: 32.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FRAF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 7.40 Max: 121
Current: 32.79
0.9
121
Forward Rate of Return (Yacktman) (%) 9.62
FRAF's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. FRAF: 9.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FRAF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6  Med: 9.60 Max: 33.1
Current: 9.62
-6
33.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Franklin Financial Services Corporation, a registered bank holding company was organized as a Pennsylvania business corporation on June 1, 1983. The Corporation conducts all of its business through its direct banking subsidiary, Farmers and Merchants Trust Company of Chambersburg, which is wholly owned. Other direct subsidiaries of the Corporation include Franklin Financial Properties Corp. and Franklin Future Fund Inc. &M Trust, established in 1906, is a full-service, Pennsylvania-chartered commercial bank and trust company. The Bank operates twenty-five community banking offices in Franklin, Cumberland, Fulton and Huntingdon Counties, Pennsylvania, and engages in general commercial, retail banking and trust services normally associated with community banks and its deposits are insured by the Federal Deposit Insurance Corporation. The Bank offers a variety of banking services to businesses, individuals, and governmental entities. These services include accepting and maintaining checking, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. Franklin Financial Properties Corp. is a 'qualified real estate subsidiary' established to hold real estate assets used by F&M Trust in its banking operations. Franklin Future Fund Inc. is a non-bank investment company that makes venture capital investments within the Corporation's main market area. The Bank's lending activities consist mainly of commercial real estate, construction and land development, agricultural, commercial and industrial loans, installment and revolving loans to consumers and residential mortgage loans. Secured and unsecured commercial and industrial loans, including accounts receivable and inventory finance, and commercial equipment financing, are made to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations. F&M Trust also participates in Pennsylvania Higher Education Assistance Act student loan programs, Pennsylvania Housing Finance Agency programs and is a Small Business Administration approved lender. Installment loans involve both direct loans to consumers and the purchase of consumer obligations from dealers who have sold or financed the purchase of automobiles to its customers. The Bank's mortgage loans include long-term loans to individuals and to businesses secured by mortgages on the borrower's real property. The Corporation and its banking subsidiary operate in a competitive environment that has intensified in the past few years as it has been compelled to share its market with institutions that are not subject to the regulatory restrictions on domestic banks and bank holding companies. The main market of the Bank is in south central Pennsylvania, mainly the counties of Franklin, Cumberland, Fulton and Huntingdon. The majority of the Bank's loan and deposit customers are in Franklin County. There are many commercial bank competitors in thi
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