ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Franklin Financial Services Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 9.04%
2
Strong Long Term Fundamental Strength with a 10.65% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- ROCE(HY) Highest at 1.05%
- CASH AND EQV(HY) Highest at USD 46.43 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.60%, it has a attractive valuation with a 1.37 Price to Book Value
- Over the past year, while the stock has generated a return of 79.94%, its profits have risen by 91.3% ; the PEG ratio of the company is 0.1
5
High Institutional Holdings at 37.83%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 79.94% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Franklin Financial Services Corp. (Pennsylvania)
79.94%
4.28
31.58%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.01%
EBIT Growth (5y)
10.00%
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
27.62%
Pledged Shares
0
Institutional Holding
37.83%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.37
EV to EBIT
12.24
EV to EBITDA
11.24
EV to Capital Employed
1.28
EV to Sales
2.58
PEG Ratio
0.13
Dividend Yield
0.09%
ROCE (Latest)
10.44%
ROE (Latest)
12.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
ROCE(HY)
Highest at 1.05%
CASH AND EQV(HY)
Highest at USD 46.43 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 83.21%
OPERATING PROFIT(Q)
Highest at USD 8.31 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.91 %
PRE-TAX PROFIT(Q)
Highest at USD 8.31 MM
NET PROFIT(Q)
Highest at USD 6.64 MM
EPS(Q)
Highest at USD 1.48
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 24.1 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 22.3%
ROCE(HY)
Lowest at 1.05%
Here's what is working for Franklin Financial Services Corp. (Pennsylvania)
Operating Profit
Highest at USD 8.31 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 8.31 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 6.64 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.48
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 46.43 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)
Credit Deposit Ratio
Highest at 83.21%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 11.81%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Franklin Financial Services Corp. (Pennsylvania)
Operating Cash Flow
Lowest at USD 24.1 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 22.3% and Fallen
In each year 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
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