ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Franklin Financial Services Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 9.00%
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 Dec 25
- NII(Q) Highest at USD 18.61 MM
- ROCE(HY) Highest at 0.96%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
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
5
High Institutional Holdings at 37.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
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 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)
39.69%
2.93
29.21%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.01%
EBIT Growth (5y)
10.27%
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
27.64%
Pledged Shares
0
Institutional Holding
37.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What 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 periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 7.48 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.76 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 7.48 MM
in the last five periodsMOJO 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 MMMOJO 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 periodsMOJO 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 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.35
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
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 83.92%
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 11.45%
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 22.26 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)
Cash and Eqv
Lowest at USD 24.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Dividend Payout Ratio
Lowest at 24.44%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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