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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 : 7/10

vs
industry
vs
history
Cash to Debt 4.68
FRAF's Cash to Debt is ranked higher than
84% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. FRAF: 4.68 )
FRAF' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 4.68

Equity to Asset 0.10
FRAF's Equity to Asset is ranked higher than
74% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FRAF: 0.10 )
FRAF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 1.72
FRAF's Interest Coverage is ranked higher than
73% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FRAF: 1.72 )
FRAF' s 10-Year Interest Coverage Range
Min: 0.34   Max: 1.72
Current: 1.72

0.34
1.72
F-Score: 6
Z-Score: 0.24
WACC vs ROIC
8.10%
14.98%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 22.47
FRAF's Operating margin (%) is ranked higher than
65% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. FRAF: 22.47 )
FRAF' s 10-Year Operating margin (%) Range
Min: -211.48   Max: 33.56
Current: 22.47

-211.48
33.56
Net-margin (%) 18.09
FRAF's Net-margin (%) is ranked higher than
68% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. FRAF: 18.09 )
FRAF' s 10-Year Net-margin (%) Range
Min: 12.86   Max: 112.88
Current: 18.09

12.86
112.88
ROE (%) 7.88
FRAF's ROE (%) is ranked higher than
73% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FRAF: 7.88 )
FRAF' s 10-Year ROE (%) Range
Min: 6   Max: 12.88
Current: 7.88

6
12.88
ROA (%) 0.76
FRAF's ROA (%) is ranked higher than
73% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FRAF: 0.76 )
FRAF' s 10-Year ROA (%) Range
Min: 0.53   Max: 1.27
Current: 0.76

0.53
1.27
ROC (Joel Greenblatt) (%) 59.98
FRAF's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. FRAF: 59.98 )
FRAF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -226.9   Max: 110.67
Current: 59.98

-226.9
110.67
Revenue Growth (3Y)(%) -1.00
FRAF's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FRAF: -1.00 )
FRAF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1   Max: 63.5
Current: -1

-1
63.5
EBITDA Growth (3Y)(%) -10.60
FRAF's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FRAF: -10.60 )
FRAF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15.9   Max: 14.4
Current: -10.6

-15.9
14.4
EPS Growth (3Y)(%) -8.30
FRAF's EPS Growth (3Y)(%) is ranked higher than
62% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. FRAF: -8.30 )
FRAF' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.5   Max: 15.9
Current: -8.3

-9.5
15.9
» FRAF's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 11.90
FRAF's P/E(ttm) is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FRAF: 11.90 )
FRAF' s 10-Year P/E(ttm) Range
Min: 6.3   Max: 19.31
Current: 11.9

6.3
19.31
Forward P/E 12.00
FRAF's Forward P/E is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. FRAF: 12.00 )
N/A
PE(NRI) 11.90
FRAF's PE(NRI) is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FRAF: 11.90 )
FRAF' s 10-Year PE(NRI) Range
Min: 6.3   Max: 19.44
Current: 11.9

6.3
19.44
P/B 0.89
FRAF's P/B is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FRAF: 0.89 )
FRAF' s 10-Year P/B Range
Min: 0.57   Max: 1.81
Current: 0.89

0.57
1.81
P/S 2.14
FRAF's P/S is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. FRAF: 2.14 )
FRAF' s 10-Year P/S Range
Min: 1.14   Max: 4.43
Current: 2.14

1.14
4.43
POCF 7.27
FRAF's POCF is ranked higher than
89% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. FRAF: 7.27 )
FRAF' s 10-Year POCF Range
Min: 3.24   Max: 30.84
Current: 7.27

3.24
30.84
EV-to-EBIT 4.94
FRAF's EV-to-EBIT is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. FRAF: 4.94 )
FRAF' s 10-Year EV-to-EBIT Range
Min: -5.4   Max: 105.3
Current: 4.94

-5.4
105.3
Shiller P/E 12.32
FRAF's Shiller P/E is ranked higher than
94% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FRAF: 12.32 )
FRAF' s 10-Year Shiller P/E Range
Min: 5.83   Max: 16.77
Current: 12.32

5.83
16.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.13
FRAF's Dividend Yield is ranked higher than
67% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. FRAF: 3.13 )
FRAF' s 10-Year Dividend Yield Range
Min: 2.92   Max: 8.74
Current: 3.13

2.92
8.74
Dividend Payout 0.37
FRAF's Dividend Payout is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FRAF: 0.37 )
FRAF' s 10-Year Dividend Payout Range
Min: 0.3   Max: 2.02
Current: 0.37

0.3
2.02
Dividend growth (3y) -14.30
FRAF's Dividend growth (3y) is ranked higher than
63% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. FRAF: -14.30 )
FRAF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 39
Current: -14.3

0
39
Yield on cost (5-Year) 1.65
FRAF's Yield on cost (5-Year) is ranked lower than
66% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FRAF: 1.65 )
FRAF' s 10-Year Yield on cost (5-Year) Range
Min: 1.56   Max: 4.67
Current: 1.65

1.56
4.67
Share Buyback Rate -2.10
FRAF's Share Buyback Rate is ranked higher than
72% of the 1464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.30 vs. FRAF: -2.10 )
FRAF' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -4.6
Current: -2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
FRAF's Price/Tangible Book is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. FRAF: 0.99 )
FRAF' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 1.78
Current: 0.99

0.65
1.78
Price/DCF (Projected) 0.70
FRAF's Price/DCF (Projected) is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. FRAF: 0.70 )
FRAF' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 1.16
Current: 0.7

0.34
1.16
Price/Median PS Value 1.08
FRAF's Price/Median PS Value is ranked higher than
81% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FRAF: 1.08 )
FRAF' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 4.73
Current: 1.08

0.57
4.73
Price/Graham Number 0.73
FRAF's Price/Graham Number is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FRAF: 0.73 )
FRAF' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.41
Current: 0.73

0.47
1.41
Earnings Yield (Greenblatt) 20.20
FRAF's Earnings Yield (Greenblatt) is ranked higher than
95% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FRAF: 20.20 )
FRAF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 121
Current: 20.2

0.9
121
Forward Rate of Return (Yacktman) 3.38
FRAF's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. FRAF: 3.38 )
FRAF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6   Max: 33.1
Current: 3.38

-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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