Franklin Financial Financials

FRAF Stock  USD 33.55  0.08  0.24%   
Based on the analysis of Franklin Financial's profitability, liquidity, and operating efficiency, Franklin Financial Services is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At this time, Franklin Financial's Net Debt is most likely to increase significantly in the upcoming years. The Franklin Financial's current Retained Earnings is estimated to increase to about 140.7 M, while Total Stockholder Equity is projected to decrease to roughly 90.4 M. Key indicators impacting Franklin Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.340.2068
Way Up
Pretty Stable
Return On Assets0.01010.0074
Significantly Up
Pretty Stable
Return On Equity0.110.1029
Notably Up
Slightly volatile
Debt Equity Ratio0.811.1381
Way Down
Slightly volatile
Current Ratio4.564.8048
Notably Down
Pretty Stable
The financial analysis of Franklin Financial is a critical element in measuring its lifeblood. Investors should not minimize Franklin Financial's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

8.56 Million

  
Understanding current and past Franklin Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Franklin Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Franklin Financial's assets may result in an increase in income on the income statement.

Franklin Financial Stock Summary

Franklin Financial competes with Magyar Bancorp, Affinity Bancshares, Home Federal, Sound Financial, and Finward Bancorp. Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania. Franklin Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 280 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3535251082
CUSIP353525108
LocationPennsylvania; U.S.A
Business Address1500 Nitterhouse Drive,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.franklinfin.com
Phone717 264 6116
CurrencyUSD - US Dollar

Franklin Financial Key Financial Ratios

Franklin Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.3B1.5B1.8B1.7B1.8B994.8M
Net Debt(87.4M)(45M)(161.2M)(53.1M)125.1M131.4M
Retained Earnings94.9M102.5M116.6M125.9M134.0M140.7M
Cash92.6M69.9M185.6M78.9M29.4M42.1M
Other Assets773.3M643.5M495.1M601.6M1.00.95
Total Liab5.2M24.9M24.4M1.6B1.7B1.8B
Total Current Assets280.0M466.8M715.5M565.7M23.1M22.0M
Common Stock4.7M4.7M4.7M4.7M5.4M4.4M
Other Current Liab1.1B396.9M(4.9M)1.6B(125.9M)(119.6M)
Other Liab11.1M10.4M7.9M8.2M9.4M9.2M
Accounts Payable1.1B1.4B1.6B1.6B1.8B1.9B
Treasury Stock(8.4M)(7.8M)(6.8M)(8.7M)(7.8M)(8.2M)
Other Current Assets83.8M57.1M175.1M64.9M23.1M22.0M
Net Tangible Assets118.5M136.2M143.8M105.2M121.0M122.0M
Capital Surpluse42.3M42.6M43.1M43.5M50.1M44.7M

Franklin Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense7.1M4.0M2.9M4.9M23.1M24.3M
Total Revenue56.5M56.0M61.1M65.4M65.8M38.5M
Gross Profit56.5M56.0M61.1M65.4M65.8M38.5M
Operating Income19.0M13.1M23.0M22.4M16.2M10.8M
Ebit19.0M13.2M23.1M17.6M15.8M14.8M
Ebitda20.4M14.4M24.2M18.9M17.8M16.0M
Income Before Tax19.0M13.1M23.0M17.5M15.8M10.5M
Net Income16.1M12.8M19.6M14.9M13.6M8.6M
Income Tax Expense2.9M258K3.4M2.6M2.2M1.9M
Tax Provision2.9M258K3.4M2.6M2.2M2.2M
Net Interest Income42.1M41.9M43.8M51.6M54.3M46.3M
Interest Income49.2M45.9M47.6M56.4M72.2M52.3M

Franklin Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash30.9M(26.7M)118.0M(110.3M)(41.8M)(39.7M)
Free Cash Flow17.3M6.0M17.5M13.0M26.0M13.4M
Other Non Cash Items(1.2M)(1.1M)3.4M7.5M6.2M3.8M
Dividends Paid5.1M5.2M5.5M5.7M5.6M3.9M
Capital Expenditures1.7M484K8.8M12.2M499K474.1K
Net Income16.1M12.8M19.6M14.9M13.6M8.6M
End Period Cash Flow83.8M57.1M175.1M64.9M23.1M41.3M
Investments(56.7M)(319.0M)(164.2M)(120.1M)(129.7M)(136.2M)
Change To Netincome(1.2M)(4.9M)2.6M4.4M4.0M2.7M

Franklin Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Franklin Financial's current stock value. Our valuation model uses many indicators to compare Franklin Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Franklin Financial competition to find correlations between indicators driving Franklin Financial's intrinsic value. More Info.
Franklin Financial Services is rated # 2 in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Franklin Financial Services is roughly  14.66 . At this time, Franklin Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Franklin Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Franklin Financial Systematic Risk

Franklin Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Franklin Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Franklin Financial correlated with the market. If Beta is less than 0 Franklin Financial generally moves in the opposite direction as compared to the market. If Franklin Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Franklin Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Franklin Financial is generally in the same direction as the market. If Beta > 1 Franklin Financial moves generally in the same direction as, but more than the movement of the benchmark.

About Franklin Financial Financials

What exactly are Franklin Financial Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Franklin Financial's income statement, its balance sheet, and the statement of cash flows. Potential Franklin Financial investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Franklin Financial investors may use each financial statement separately, they are all related. The changes in Franklin Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Franklin Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Franklin Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Franklin Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Franklin Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.21)

At this time, Franklin Financial's Price Earnings To Growth Ratio is most likely to drop slightly in the upcoming years.

Franklin Financial November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Franklin Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Franklin Financial Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of Franklin Financial Services based on widely used predictive technical indicators. In general, we focus on analyzing Franklin Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Franklin Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Franklin Stock analysis

When running Franklin Financial's price analysis, check to measure Franklin Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Franklin Financial is operating at the current time. Most of Franklin Financial's value examination focuses on studying past and present price action to predict the probability of Franklin Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Franklin Financial's price. Additionally, you may evaluate how the addition of Franklin Financial to your portfolios can decrease your overall portfolio volatility.
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