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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

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

» FRNK's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Guru Trades

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)
Keeley Asset Management Corp 13,145 sh (-67.26%)
» More
Q3 2014

FRNK Guru Trades in Q3 2014

Jim Simons 316,700 sh (+14.40%)
Michael Price 812,500 sh (+13.83%)
First Pacific Advisors 61,598 sh (unchged)
Keeley Asset Management Corp Sold Out
» More
Q4 2014

FRNK Guru Trades in Q4 2014

Jim Simons 320,049 sh (+1.06%)
Michael Price 815,625 sh (+0.38%)
First Pacific Advisors 61,598 sh (unchged)
» More
Q1 2015

FRNK Guru Trades in Q1 2015

First Pacific Advisors Sold Out
Jim Simons Sold Out
Michael Price 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%)

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Business Description

Industry: Banks » Banks - Regional - US

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.



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Valuation & Return


More Statistics

Revenue (TTM) (Mil) $47.26
EPS (TTM) $ 1.34
Short Percentage of Float3.35%
52-Week Range $18.52 - 24.60
Shares Outstanding (Mil)11.78

Analyst Estimate

Revenue (Mil $)
EPS ($) 1.27
EPS w/o NRI ($) 1.27
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($)

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