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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 1.51
FRAF's Cash-to-Debt is ranked lower than
55% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. FRAF: 1.51 )
Ranked among companies with meaningful Cash-to-Debt only.
FRAF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.44 Max: No Debt
Current: 1.51
Equity-to-Asset 0.10
FRAF's Equity-to-Asset is ranked higher than
52% of the 1496 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 4.18
FRAF's Interest Coverage is ranked higher than
77% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. FRAF: 4.18 )
Ranked among companies with meaningful Interest Coverage only.
FRAF' s Interest Coverage Range Over the Past 10 Years
Min: 0.5  Med: 0.85 Max: 5.26
Current: 4.18
0.5
5.26
WACC vs ROIC
6.33%
10.33%
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 % 20.26
FRAF's Operating Margin % is ranked lower than
74% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. FRAF: 20.26 )
Ranked among companies with meaningful Operating Margin % only.
FRAF' s Operating Margin % Range Over the Past 10 Years
Min: 14.09  Med: 23.5 Max: 33.56
Current: 20.26
14.09
33.56
Net Margin % 17.45
FRAF's Net Margin % is ranked lower than
66% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. FRAF: 17.45 )
Ranked among companies with meaningful Net Margin % only.
FRAF' s Net Margin % Range Over the Past 10 Years
Min: 12.86  Med: 18.19 Max: 25.86
Current: 17.45
12.86
25.86
ROE % 7.03
FRAF's ROE % is ranked lower than
61% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FRAF: 7.03 )
Ranked among companies with meaningful ROE % only.
FRAF' s ROE % Range Over the Past 10 Years
Min: 6  Med: 8.56 Max: 12.4
Current: 7.03
6
12.4
ROA % 0.75
FRAF's ROA % is ranked lower than
57% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FRAF: 0.75 )
Ranked among companies with meaningful ROA % only.
FRAF' s ROA % Range Over the Past 10 Years
Min: 0.53  Med: 0.77 Max: 1.14
Current: 0.75
0.53
1.14
3-Year Revenue Growth Rate 2.30
FRAF's 3-Year Revenue Growth Rate is ranked lower than
59% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. FRAF: 2.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FRAF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2  Med: 4.3 Max: 55.5
Current: 2.3
-2
55.5
3-Year EBITDA Growth Rate 3.00
FRAF's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FRAF: 3.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FRAF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -15.9  Med: 3 Max: 19.6
Current: 3
-15.9
19.6
3-Year EPS without NRI Growth Rate 7.60
FRAF's 3-Year EPS without NRI Growth Rate is ranked higher than
51% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FRAF: 7.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FRAF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -9.5  Med: 4.6 Max: 22.1
Current: 7.6
-9.5
22.1
GuruFocus has detected 4 Warning Signs with Franklin Financial Services Corp $FRAF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FRAF's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:NBN, NAS:OVBC, OTCPK:QNBC, OTCBB:DCBF, NAS:ASBB, OTCPK:CWBB, OTCPK:MVBF, NAS:SLCT, NAS:EVBS, OTCPK:FNRN, NAS:UBFO, NAS:HWBK, NAS:CLBH, NAS:MBCN, NAS:RBPAA, NAS:DNBF, NAS:BOCH, NAS:AUBN, NAS:ACFC, OTCBB:FKYS » details
Franklin Financial Services Corporation is a bank holding company. The Company, through its bank, engages in general commercial, retail banking and trust services normally associated with community banks.

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

Ratios

vs
industry
vs
history
PE Ratio 16.28
FRAF's PE Ratio is ranked lower than
62% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FRAF: 16.28 )
Ranked among companies with meaningful PE Ratio only.
FRAF' s PE Ratio Range Over the Past 10 Years
Min: 6.3  Med: 10.49 Max: 16.28
Current: 16.28
6.3
16.28
PE Ratio without NRI 16.28
FRAF's PE Ratio without NRI is ranked lower than
59% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FRAF: 16.28 )
Ranked among companies with meaningful PE Ratio without NRI only.
FRAF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.3  Med: 10.49 Max: 16.28
Current: 16.28
6.3
16.28
Price-to-Owner-Earnings 15.19
FRAF's Price-to-Owner-Earnings is ranked lower than
55% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. FRAF: 15.19 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FRAF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.55  Med: 9.16 Max: 28.48
Current: 15.19
4.55
28.48
PB Ratio 1.13
FRAF's PB Ratio is ranked higher than
53% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FRAF: 1.13 )
Ranked among companies with meaningful PB Ratio only.
FRAF' s PB Ratio Range Over the Past 10 Years
Min: 0.57  Med: 0.87 Max: 1.55
Current: 1.13
0.57
1.55
PS Ratio 2.84
FRAF's PS Ratio is ranked higher than
60% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. FRAF: 2.84 )
Ranked among companies with meaningful PS Ratio only.
FRAF' s PS Ratio Range Over the Past 10 Years
Min: 1.14  Med: 1.99 Max: 4.33
Current: 2.84
1.14
4.33
Price-to-Free-Cash-Flow 9.22
FRAF's Price-to-Free-Cash-Flow is ranked higher than
60% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FRAF: 9.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FRAF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.4  Med: 7.15 Max: 30.23
Current: 9.22
3.4
30.23
Price-to-Operating-Cash-Flow 8.86
FRAF's Price-to-Operating-Cash-Flow is ranked higher than
58% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FRAF: 8.86 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FRAF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.22  Med: 6.27 Max: 20.44
Current: 8.86
3.22
20.44
EV-to-EBIT 12.78
FRAF's EV-to-EBIT is ranked lower than
58% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. FRAF: 12.78 )
Ranked among companies with meaningful EV-to-EBIT only.
FRAF' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.4  Med: 11 Max: 105.3
Current: 12.78
-5.4
105.3
EV-to-EBITDA 11.12
FRAF's EV-to-EBITDA is ranked lower than
56% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. FRAF: 11.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
FRAF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.1  Med: 9.5 Max: 28.3
Current: 11.12
-4.1
28.3
PEG Ratio 2.35
FRAF's PEG Ratio is ranked lower than
67% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FRAF: 2.35 )
Ranked among companies with meaningful PEG Ratio only.
FRAF' s PEG Ratio Range Over the Past 10 Years
Min: 0.51  Med: 1.72 Max: 25.22
Current: 2.35
0.51
25.22
Shiller PE Ratio 14.94
FRAF's Shiller PE Ratio is ranked higher than
76% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. FRAF: 14.94 )
Ranked among companies with meaningful Shiller PE Ratio only.
FRAF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.86  Med: 8.48 Max: 14.94
Current: 14.94
5.86
14.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.74
FRAF's Dividend Yield % is ranked higher than
51% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FRAF: 2.74 )
Ranked among companies with meaningful Dividend Yield % only.
FRAF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.67  Med: 4.25 Max: 8.74
Current: 2.74
2.67
8.74
Dividend Payout Ratio 0.44
FRAF's Dividend Payout Ratio is ranked lower than
68% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FRAF: 0.44 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FRAF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.46 Max: 0.65
Current: 0.44
0.31
0.65
3-Year Dividend Growth Rate 6.40
FRAF's 3-Year Dividend Growth Rate is ranked lower than
53% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FRAF: 6.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FRAF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.9 Max: 39
Current: 6.4
0
39
Forward Dividend Yield % 2.75
FRAF's Forward Dividend Yield % is ranked lower than
53% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. FRAF: 2.75 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.20
FRAF's 5-Year Yield-on-Cost % is ranked lower than
67% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. FRAF: 2.20 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FRAF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.14  Med: 3.41 Max: 7.02
Current: 2.2
2.14
7.02
3-Year Average Share Buyback Ratio -1.20
FRAF's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FRAF: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FRAF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.8  Med: -1.2 Max: 1.2
Current: -1.2
-4.8
1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.23
FRAF's Price-to-Tangible-Book is ranked higher than
52% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FRAF: 1.23 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FRAF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.65  Med: 1.15 Max: 2.07
Current: 1.23
0.65
2.07
Price-to-Intrinsic-Value-Projected-FCF 0.61
FRAF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
69% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FRAF: 0.61 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FRAF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.48 Max: 1.1
Current: 0.61
0.3
1.1
Price-to-Median-PS-Value 1.43
FRAF's Price-to-Median-PS-Value is ranked lower than
76% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FRAF: 1.43 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FRAF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.15 Max: 2.11
Current: 1.43
0.57
2.11
Price-to-Peter-Lynch-Fair-Value 1.74
FRAF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
68% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FRAF: 1.74 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FRAF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.6  Med: 1.4 Max: 2.68
Current: 1.74
0.6
2.68
Price-to-Graham-Number 0.94
FRAF's Price-to-Graham-Number is ranked lower than
51% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FRAF: 0.94 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FRAF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 0.82 Max: 1.26
Current: 0.94
0.46
1.26
Earnings Yield (Greenblatt) % 7.83
FRAF's Earnings Yield (Greenblatt) % is ranked higher than
56% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. FRAF: 7.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FRAF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 8.7 Max: 121
Current: 7.83
0.9
121
Forward Rate of Return (Yacktman) % 19.75
FRAF's Forward Rate of Return (Yacktman) % is ranked higher than
71% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FRAF: 19.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FRAF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.1  Med: 11.4 Max: 32.1
Current: 19.75
-1.1
32.1

More Statistics

Revenue (TTM) (Mil) $46.34
EPS (TTM) $ 1.88
Beta0.41
Short Percentage of Float0.00%
52-Week Range $21.62 - 30.50
Shares Outstanding (Mil)4.32
» More Articles for FRAF

Headlines

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