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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 0.51
FRNK's Cash to Debt is ranked higher than
63% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FRNK: 0.51 )
FRNK' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.51

Equity to Asset 0.22
FRNK's Equity to Asset is ranked higher than
96% of the 1649 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: 0.24
Current: 0.22

0.05
0.24
Interest Coverage 0.89
FRNK's Interest Coverage is ranked higher than
61% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FRNK: 0.89 )
FRNK' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.89
Current: 0.89

0.11
0.89
F-Score: 7
Z-Score: 0.38
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 : 8/10

vs
industry
vs
history
Operating margin (%) 39.71
FRNK's Operating margin (%) is ranked higher than
86% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. FRNK: 39.71 )
FRNK' s 10-Year Operating margin (%) Range
Min: -78.74   Max: 41.35
Current: 39.71

-78.74
41.35
Net-margin (%) 29.58
FRNK's Net-margin (%) is ranked higher than
86% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. FRNK: 29.58 )
FRNK' s 10-Year Net-margin (%) Range
Min: -74.41   Max: 29.58
Current: 29.58

-74.41
29.58
ROE (%) 3.87
FRNK's ROE (%) is ranked higher than
56% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. FRNK: 3.87 )
FRNK' s 10-Year ROE (%) Range
Min: -5.92   Max: 22.83
Current: 3.87

-5.92
22.83
ROA (%) 0.88
FRNK's ROA (%) is ranked higher than
78% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FRNK: 0.88 )
FRNK' s 10-Year ROA (%) Range
Min: -0.72   Max: 1.42
Current: 0.88

-0.72
1.42
ROC (Joel Greenblatt) (%) 182.37
FRNK's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. FRNK: 182.37 )
FRNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -122.68   Max: 182.37
Current: 182.37

-122.68
182.37
EBITDA Growth (%) 141.00
FRNK's EBITDA Growth (%) is ranked higher than
99% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FRNK: 141.00 )
FRNK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 196.2
Current: 141

0
196.2
» FRNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

FRNK Guru Trades in Q2 2013

Jim Simons 173,469 sh (+27.18%)
First Pacific Advisors 61,598 sh (unchged)
Michael Price 713,798 sh (unchged)
John Keeley 55,725 sh (-4.22%)
» More
Q3 2013

FRNK Guru Trades in Q3 2013

Jim Simons 220,530 sh (+27.13%)
Michael Price 713,798 sh (unchged)
First Pacific Advisors 61,598 sh (unchged)
John Keeley 55,345 sh (-0.68%)
» More
Q4 2013

FRNK Guru Trades in Q4 2013

Jim Simons 240,500 sh (+9.06%)
Michael Price 713,798 sh (unchged)
First Pacific Advisors 61,598 sh (unchged)
John Keeley 55,345 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
» 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
John Keeley 2014-03-31 Reduce -27.45%0.01%$18.65 - $20.19 $ 20.254%40155
John Keeley 2012-03-31 Add 22.01%$11.91 - $13.74 $ 20.2566%73160
Michael Price 2011-09-30 Add 16.67%0.2%$11.04 - $12.41 $ 20.2573%700000
Michael Price 2011-06-30 New Buy1.05%$11.76 - $12.09 $ 20.2570%600000
John Keeley 2011-06-30 New Buy0.01%$11.76 - $12.09 $ 20.2570%55060
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.70
FRNK's P/E(ttm) is ranked higher than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FRNK: 20.70 )
FRNK' s 10-Year P/E(ttm) Range
Min: 19.75   Max: 107.73
Current: 20.7

19.75
107.73
P/B 1.00
FRNK's P/B is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FRNK: 1.00 )
FRNK' s 10-Year P/B Range
Min: 0.62   Max: 1.14
Current: 1

0.62
1.14
P/S 6.80
FRNK's P/S is ranked higher than
50% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FRNK: 6.80 )
FRNK' s 10-Year P/S Range
Min: 4.34   Max: 8.48
Current: 6.8

4.34
8.48
PFCF 14.50
FRNK's PFCF is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. FRNK: 14.50 )
FRNK' s 10-Year PFCF Range
Min: 8.26   Max: 16.52
Current: 14.5

8.26
16.52
EV-to-EBIT 23.23
FRNK's EV-to-EBIT is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. FRNK: 23.23 )
FRNK' s 10-Year EV-to-EBIT Range
Min: 19   Max: 1801.1
Current: 23.23

19
1801.1
PEG 0.60
FRNK's PEG is ranked higher than
91% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FRNK: 0.60 )
FRNK' s 10-Year PEG Range
Min: 0   Max: 0.62
Current: 0.6

0
0.62
Shiller P/E 23.90
FRNK's Shiller P/E is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. FRNK: 23.90 )
FRNK' s 10-Year Shiller P/E Range
Min: 10   Max: 27.73
Current: 23.9

10
27.73

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
FRNK's Price/Tangible Book is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FRNK: 1.00 )
FRNK' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 0.99
Current: 1

0.63
0.99
Price/DCF (Projected) 0.70
FRNK's Price/DCF (Projected) is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FRNK: 0.70 )
FRNK' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 0.67
Current: 0.7

0.49
0.67
Price/Median PS Value 1.00
FRNK's Price/Median PS Value is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FRNK: 1.00 )
FRNK' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 1.18
Current: 1

0.63
1.18
Price/Graham Number 1.00
FRNK's Price/Graham Number is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. FRNK: 1.00 )
FRNK' s 10-Year Price/Graham Number Range
Min: 0.94   Max: 3.22
Current: 1

0.94
3.22
Earnings Yield (Greenblatt) 4.20
FRNK's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FRNK: 4.20 )
FRNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.3
Current: 4.2

0.1
5.3
Forward Rate of Return (Yacktman) 6.78
FRNK's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. FRNK: 6.78 )
FRNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.6   Max: 8.6
Current: 6.78

5.6
8.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Franklin Financial Corporation, 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

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