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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 1.34
FRNK's Cash to Debt is ranked higher than
76% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FRNK: 1.34 )
FRNK' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 1.34

Equity to Asset 0.22
FRNK's Equity to Asset is ranked higher than
96% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FRNK: 0.22 )
FRNK' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.23
Current: 0.22

0.05
0.23
Interest Coverage 1.22
FRNK's Interest Coverage is ranked higher than
67% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FRNK: 1.22 )
FRNK' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.22
Current: 1.22

0.11
1.22
F-Score: 6
Z-Score: 0.51
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 (%) 36.43
FRNK's Operating margin (%) is ranked higher than
84% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FRNK: 36.43 )
FRNK' s 10-Year Operating margin (%) Range
Min: -205.09   Max: 41.35
Current: 36.43

-205.09
41.35
Net-margin (%) 32.07
FRNK's Net-margin (%) is ranked higher than
89% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FRNK: 32.07 )
FRNK' s 10-Year Net-margin (%) Range
Min: -74.41   Max: 121.73
Current: 32.07

-74.41
121.73
ROE (%) 6.26
FRNK's ROE (%) is ranked higher than
66% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FRNK: 6.26 )
FRNK' s 10-Year ROE (%) Range
Min: -8.1   Max: 26.41
Current: 6.26

-8.1
26.41
ROA (%) 1.39
FRNK's ROA (%) is ranked higher than
92% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FRNK: 1.39 )
FRNK' s 10-Year ROA (%) Range
Min: -0.75   Max: 1.59
Current: 1.39

-0.75
1.59
ROC (Joel Greenblatt) (%) 256.24
FRNK's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FRNK: 256.24 )
FRNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -177.63   Max: 258.29
Current: 256.24

-177.63
258.29
Revenue Growth (3Y)(%) 26.90
FRNK's Revenue Growth (3Y)(%) is ranked higher than
98% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FRNK: 26.90 )
FRNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 91.8
Current: 26.9

0
91.8
EBITDA Growth (3Y)(%) 90.50
FRNK's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FRNK: 90.50 )
FRNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 117.2
Current: 90.5

0
117.2
EPS Growth (3Y)(%) 130.10
FRNK's EPS Growth (3Y)(%) is ranked higher than
99% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FRNK: 130.10 )
FRNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 130.1
Current: 130.1

0
130.1
» FRNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FRNK Guru Trades in Q4 2013

Jim Simons 240,500 sh (+9.06%)
John Keeley 55,345 sh (unchged)
Michael Price 713,798 sh (unchged)
First Pacific Advisors 61,598 sh (unchged)
» More
Q1 2014

FRNK Guru Trades in Q1 2014

Jim Simons 253,500 sh (+5.41%)
Michael Price 713,798 sh (unchged)
First Pacific Advisors 61,598 sh (unchged)
John Keeley 40,155 sh (-27.45%)
» More
Q2 2014

FRNK Guru Trades in Q2 2014

Jim Simons 276,838 sh (+9.21%)
First Pacific Advisors 61,598 sh (unchged)
Michael Price 713,798 sh (unchged)
John Keeley 13,145 sh (-67.26%)
» More
Q3 2014

FRNK Guru Trades in Q3 2014

Jim Simons 316,700 sh (+14.4%)
Michael Price 812,500 sh (+13.83%)
First Pacific Advisors 61,598 sh (unchged)
John Keeley Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FRNK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-09-30 Add 13.83%0.23%$18.78 - $23.29 $ 21.878%812500
John Keeley 2014-09-30 Sold Out 0.01%$18.78 - $23.29 $ 21.878%0
John Keeley 2014-06-30 Reduce -67.26%0.01%$19.28 - $21.58 $ 21.878%13145
John Keeley 2014-03-31 Reduce -27.45%0.01%$18.65 - $20.19 $ 21.8712%40155
John Keeley 2012-03-31 Add 22.01%$11.91 - $13.74 $ 21.8779%73160
Michael Price 2011-09-30 Add 16.67%0.2%$11.04 - $12.41 $ 21.8786%700000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Franklin Financial Corp

If You Don't Care About a Company's Story, You Don't Care About What Happens to Your Money
Michael Price (Trades, Portfolio), manager of MFP Investors, likes to buy his stocks from companies that are sailing on rough waters. He does not go for the nice and comfortable stocks that are a guaranteed win – well, as guaranteed as you can get in the market; we all know nothing is promised when it comes to investing – instead, he looks at companies that are selling their shares 30-40% below their estimated intrinsic value. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 16.40
FRNK's P/E(ttm) is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FRNK: 16.40 )
FRNK' s 10-Year P/E(ttm) Range
Min: 14.14   Max: 107.73
Current: 16.4

14.14
107.73
P/B 1.10
FRNK's P/B is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FRNK: 1.10 )
FRNK' s 10-Year P/B Range
Min: 0.62   Max: 1.12
Current: 1.1

0.62
1.12
P/S 5.30
FRNK's P/S is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FRNK: 5.30 )
FRNK' s 10-Year P/S Range
Min: 4.34   Max: 8.48
Current: 5.3

4.34
8.48
PFCF 18.90
FRNK's PFCF is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FRNK: 18.90 )
FRNK' s 10-Year PFCF Range
Min: 8.26   Max: 18.91
Current: 18.9

8.26
18.91
EV-to-EBIT 11.70
FRNK's EV-to-EBIT is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FRNK: 11.70 )
FRNK' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 1801.1
Current: 11.7

9.1
1801.1
Shiller P/E 25.00
FRNK's Shiller P/E is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FRNK: 25.00 )
FRNK' s 10-Year Shiller P/E Range
Min: 10.09   Max: 29.11
Current: 25

10.09
29.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
FRNK's Price/Tangible Book is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FRNK: 1.07 )
FRNK' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 0.96
Current: 1.07

0.63
0.96
Price/DCF (Projected) 0.69
FRNK's Price/DCF (Projected) is ranked higher than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FRNK: 0.69 )
FRNK' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 0.65
Current: 0.69

0.48
0.65
Price/Median PS Value 0.76
FRNK's Price/Median PS Value is ranked higher than
95% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FRNK: 0.76 )
FRNK' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 1.19
Current: 0.76

0.64
1.19
Price/Peter Lynch Fair Value 0.65
FRNK's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FRNK: 0.65 )
FRNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.55   Max: 0.55
Current: 0.65

Price/Graham Number 0.90
FRNK's Price/Graham Number is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FRNK: 0.90 )
FRNK' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 1.76
Current: 0.9

0.77
1.76
Earnings Yield (Greenblatt) 8.50
FRNK's Earnings Yield (Greenblatt) is ranked higher than
82% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FRNK: 8.50 )
FRNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 11
Current: 8.5

0.1
11
Forward Rate of Return (Yacktman) 47.82
FRNK's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FRNK: 47.82 )
FRNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.8   Max: 48.7
Current: 47.82

5.8
48.7

Analyst Estimate

Sep15
EPS($) 1.27
EPS without NRI($) 1.27

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Franklin Financial Corp, a Virginia corporation, was incorporated in December 2010. It operates as a holding company for Franklin Federal. Franklin Federal is a federally chartered savings bank. It operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its primary market area. It attracts deposits from the general public and uses those funds to originate commercial real estate loans, including nonresidential real estate and multi-family real estate loans, and residential mortgage loans. It has in the past originated construction and land and land development loans but given local market conditions, it currently is originating such loans on a limited basis. It conducts its lending and deposit activities primarily with individuals and businesses in its primary market area. It operates eight full-service retail banking offices in the Greater Richmond area of Central Virginia, including one branch at its corporate headquarters in Glen Allen. The Company considers the City of Richmond and the Counties of Henrico, Hanover and Chesterfield, Virginia, and the surrounding areas to be its primary market area. It also makes commercial real estate loans in other areas of Virginia, primarily within 120 miles of Richmond, as well as a limited number of such loans in North Carolina. It offers fixed-rate and, to a lesser extent, adjustable-rate mortgage loans secured by commercial real estate. It offers multi-family real estate loans that are generally secured by properties in its primary market area and the surrounding 120 mile radius. The Company's origination of residential mortgage loans enables borrowers to purchase or refinance existing homes located in its primary market area. It originates construction loans for one-to four-family homes, multi-family properties and nonresidential commercial real estate. It originates loans to developers for the purpose of purchasing and/or developing vacant land in its primary market area and in areas within 120 miles of its primary market area, typically for residential subdivisions. It offers, on a limited basis, consumer loans and second mortgages. Its investment objectives are to provide and maintain liquidity, to provide collateral for pledging requirements, to assist in maintaining an acceptable level of interest rate and credit risk, to provide an alternate source of low-risk investments when demand for loans is weak and to generate a favorable return. The Company has a partnership with a third-party registered broker-dealer, PrimeVest Financial Services, Inc. (PrimeVest). Through PrimeVest, it offers customers a complete range of nondeposit investment products, including mutual funds, debt, equity and government securities, retirement accounts, insurance products and fixed and variable annuities.
» More Articles for FRNK

Headlines

Articles On GuruFocus.com
If You Don't Care About a Company's Story, You Don't Care About What Happens to Your Money Dec 02 2014 
comment on FRNK May 22 2013 
Michael Price Keeps Buying HRS, CIT, TRH, JNS, FRNK, ITT, and Keeps Selling COT, CHRS, SYMSQ, BAC, F Mar 14 2012 
Peter Lynch's Bank Robbing Strategy Still Exists Aug 18 2011 

More From Other Websites
FRANKLIN FINANCIAL CORP Financials Dec 20 2014
10-K for Franklin Financial Corp. Dec 17 2014
FRANKLIN FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 15 2014
FRANKLIN FINANCIAL CORP Files SEC form 10-K, Annual Report Dec 15 2014
TowneBank and Franklin Financial Corporation Receive Regulatory Approvals for Merger Dec 12 2014
TowneBank and Franklin Financial Corporation Receive Regulatory Approvals for Merger Dec 12 2014
FRANKLIN FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Dec 04 2014
Stockholders Approve TowneBank Acquisition of Franklin Financial Corporation Dec 04 2014
Stockholders Approve TowneBank Acquisition of Franklin Financial Corporation Dec 04 2014
Franklin Financial earnings increase 10% in 3rd quarter; up 28% for year Oct 27 2014
Franklin Financial declares 4th Quarter dividend Oct 24 2014
Franklin Financial stock now trading on OTCQX Oct 21 2014
Franklin Financial now trading on OTCQX Oct 20 2014
OTC Markets Group Welcomes Franklin Financial Services Corporation to OTCQX® Oct 20 2014
SHAREHOLDER ALERT: Brower Piven Announces Class Action Lawsuit in Connection With the Sale of... Oct 07 2014
FRANKLIN FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 08 2014
FRANKLIN FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 06 2014
Franklin Financial Corporation Reports Third Quarter 2014 Financial Results Aug 05 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of Franklin Financial Corporation in... Jul 28 2014
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