Franklin Financial Services Corp. (Pennsylvania) (FRAF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Franklin Financial Services Corp. (Pennsylvania)

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Why is Franklin Financial Services Corp. (Pennsylvania) ?

High Profitability with a Net Interest Margin of 9.00%

Strong Long Term Fundamental Strength with a 10.65% CAGR growth in Net Profits

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 18.61 MM
ROCE(HY) Highest at 0.96%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.95%, it has a attractive valuation with a 1.35 Price to Book Value

Over the past year, while the stock has generated a return of 35.01%, its profits have risen by 91.3% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 37.65%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 35.01% in the last 1 year, much higher than market (S&P 500) returns of 14.90%

Real-Time Research Report

Verdict Report

How 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)

35.01%

2.93

29.21%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

20.01%

EBIT Growth (5y)

10.27%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.64%

Pledged Shares

Institutional Holding

37.65%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.35

EV to EBIT

17.73

EV to EBITDA

16.64

EV to Capital Employed

1.16

EV to Sales

3.82

PEG Ratio

0.13

Dividend Yield

0.09%

ROCE (Latest)

6.57%

ROE (Latest)

12.11%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

NII(Q)

Highest at USD 18.61 MM

ROCE(HY)

Highest at 0.96%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 83.92%

OPERATING PROFIT(Q)

Highest at USD 7.48 MM

OPERATING PROFIT MARGIN(Q)

Highest at 25.76 %

PRE-TAX PROFIT(Q)

Highest at USD 7.48 MM

NET PROFIT(Q)

Highest at USD 6.04 MM

EPS(Q)

Highest at USD 1.35

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 22.26 MM

ROCE(HY)

Lowest at 0.96%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 24.44%

CASH AND EQV(HY)

Lowest at USD 24.67 MM

Here's what is working for Franklin Financial Services Corp. (Pennsylvania)

NII

Highest at USD 18.61 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 7.48 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 25.76 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 7.48 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 7.48 MM has Grown at 54.74%

over average net sales of the previous four periods of USD 4.83 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.04 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 6.04 MM has Grown at 54.25%

over average net sales of the previous four periods of USD 3.92 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.35

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 83.92%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 11.45%

in the last five periods

MOJO 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 22.26 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Cash and Eqv

Lowest at USD 24.67 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend Payout Ratio

Lowest at 24.44%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)