ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Franklin Financial Services Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 5.34%
2
Strong Long Term Fundamental Strength with a 1.23% CAGR growth in Net Profits
- NII(Q) Highest at USD 17.24 MM
- NET SALES(Q) Highest at USD 28.6 MM
- CASH AND EQV(HY) Highest at USD 50.71 MM
3
With ROA of 0.35%, it has a expensive valuation with a 1.14 Price to Book Value
- Over the past year, while the stock has generated a return of 58.50%, its profits have fallen by -17.2%
4
High Institutional Holdings at 31.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.36% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 58.50% in the last 1 year, much higher than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Franklin Financial Services Corp. (Pennsylvania) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Franklin Financial Services Corp. (Pennsylvania) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Franklin Financial Services Corp. (Pennsylvania)
60.99%
4.02
25.61%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.89%
EBIT Growth (5y)
0.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.90%
Pledged Shares
0
Institutional Holding
31.57%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.14
EV to EBIT
12.97
EV to EBITDA
11.06
EV to Capital Employed
1.15
EV to Sales
1.49
PEG Ratio
NA
Dividend Yield
2.48%
ROCE (Latest)
8.88%
ROE (Latest)
7.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at USD 17.24 MM
NET SALES(Q)
Highest at USD 28.6 MM
CASH AND EQV(HY)
Highest at USD 50.71 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 7.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.58 %
PRE-TAX PROFIT(Q)
Highest at USD 7.32 MM
NET PROFIT(Q)
Highest at USD 5.91 MM
EPS(Q)
Highest at USD 1.32
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 24.97%
Here's what is working for Franklin Financial Services Corp. (Pennsylvania)
NII
Highest at USD 17.24 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 28.6 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 7.32 MM has Grown at 106.94%
over average net sales of the previous four periods of USD 3.54 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 5.91 MM has Grown at 102.68%
over average net sales of the previous four periods of USD 2.92 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 7.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 7.32 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 5.91 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.32
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 50.71 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Franklin Financial Services Corp. (Pennsylvania)
Dividend Payout Ratio
Lowest at 24.97%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
