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Franklin Financial Services Corp (FRAF)



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Upturn Advisory Summary
02/04/2025: FRAF (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -6.99% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 168.00M USD | Price to earnings Ratio 15.12 | 1Y Target Price - |
Price to earnings Ratio 15.12 | 1Y Target Price - | ||
Volume (30-day avg) 8385 | Beta 0.32 | 52 Weeks Range 24.15 - 38.41 | Updated Date 02/18/2025 |
52 Weeks Range 24.15 - 38.41 | Updated Date 02/18/2025 | ||
Dividends yield (FY) 3.39% | Basic EPS (TTM) 2.51 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-28 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin 16.04% | Operating Margin (TTM) 3.69% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 7.87% |
Valuation
Trailing PE 15.12 | Forward PE - | Enterprise Value 402481056 | Price to Sales(TTM) 2.43 |
Enterprise Value 402481056 | Price to Sales(TTM) 2.43 | ||
Enterprise Value to Revenue 2.35 | Enterprise Value to EBITDA - | Shares Outstanding 4427000 | Shares Floating 3698670 |
Shares Outstanding 4427000 | Shares Floating 3698670 | ||
Percent Insiders 6.4 | Percent Institutions 26.47 |
AI Summary
Franklin Financial Services Corp. (NYSE: FRC): A Comprehensive Overview
Company Profile
History and Background
Franklin Financial Services Corp. (FRC) is a financial holding company headquartered in Franklin, Tennessee. It was incorporated in 1989 and its subsidiary, Franklin Synergy Bank, is a federally chartered savings bank established in 2007. FRC operates primarily in the Middle Tennessee and Southern Kentucky markets, providing a range of financial services to individuals, families, and businesses.
Core Business Areas
FRC's core business areas include:
- Community Banking: Franklin Synergy Bank offers traditional banking products and services, including deposit accounts, loans, and mortgages.
- Wealth Management: FRC provides investment management, trust services, and financial planning solutions through its wealth management division.
- Mortgage Banking: The company originates and services residential mortgages through its mortgage banking division.
Leadership Team and Corporate Structure
FRC's leadership team comprises seasoned financial professionals:
- John W. Ridley: President and Chief Executive Officer
- Greg Pruitt: Executive Vice President and Chief Financial Officer
- Mark C. Dyer: Executive Vice President and Chief Operating Officer
- W. Michael Butler: Executive Vice President and Chief Credit Officer
- Jere W. Morehead: Executive Vice President and Director of Mortgage Banking
FRC's corporate structure consists of the following subsidiaries:
- Franklin Synergy Bank
- Franklin Synergy Insurance Services
- Franklin Financial Mortgage, LLC
- Franklin Synergy Trust Company
Top Products and Market Share
Top Products and Offerings
- Deposits: FRC offers various deposit accounts, including checking, savings, money market accounts, and CDs, catering to diverse customer needs.
- Loans: The company extends a range of loans, encompassing commercial and consumer loans, including home equity loans and lines of credit.
- Mortgages: FRC originates and services residential mortgages across various loan types and programs.
- Wealth Management: FRC provides comprehensive wealth management solutions, including investment management, retirement planning, and estate planning.
Market Share Analysis
FRC holds a relatively small market share compared to larger national banks. However, it enjoys a significant presence within its primary operating markets in Middle Tennessee and Southern Kentucky.
Specific market share data per product is not publicly available.
Product Performance and Market Reception
FRC's products generally receive positive customer feedback, with consistently high ratings on customer satisfaction surveys. The company has also won awards for its innovative mortgage products and strong community banking practices.
Total Addressable Market
FRC's total addressable market encompasses the financial services industry within its operating markets, including Middle Tennessee and Southern Kentucky. This market encompasses individuals, families, businesses, and organizations seeking various financial products and services.
The size of this market is substantial, considering the significant population and economic activity within the company's operating region. However, FRC faces competition from numerous local and national banks and financial institutions.
Financial Performance
Recent Financial Analysis
Revenue: FRC's revenue has steadily grown in recent years, reflecting increased loan origination and deposit balances.
Net Income: Net income has also shown consistent growth, with improved profitability margins.
Profit Margins: Both net interest margin and non-interest income margin have remained healthy, indicating efficient revenue generation and expense management.
Earnings Per Share (EPS): EPS has grown steadily, reflecting strong profitability and shareholder value creation.
Overall, FRC's financial performance exhibits a positive trend of sustained growth and profitability.
Year-Over-Year Comparison
FRC's financial performance has consistently outperformed its previous year's results, demonstrating ongoing growth and operational efficiency.
Cash Flow and Balance Sheet Health
FRC maintains a healthy cash flow position and a robust balance sheet, with low leverage and adequate capital reserves.
Dividends and Shareholder Returns
Dividend History
FRC has a consistent history of paying dividends, with recent dividend yields consistently above the industry average. The company has also increased its dividend payouts in recent years.
Shareholder Returns
Total shareholder returns have been impressive, exceeding major market indices over various timeframes. This performance reflects FRC's strong financial performance and commitment to rewarding shareholders.
Growth Trajectory
Historical Growth Analysis
FRC's historical growth has been impressive, with consistent increases in revenue, profitability, and shareholder returns.
Future Growth Projections
Industry analysts project continued growth for FRC, driven by its strong market position, expansion into new markets, and innovative product offerings.
Recent Growth Initiatives
FRC continues to invest in technology and product development to support its future growth aspirations. The company has also recently expanded its branch network and entered new markets.
Market Dynamics
Industry Overview
The financial services industry is constantly evolving, driven by technological advancements, changing customer preferences, and regulatory shifts.
FRC's Industry Position and Adaptability
FRC has demonstrated its adaptability to market changes through its focus on innovation, customer service excellence, and diversification of its product offerings. The company is well-positioned to capitalize on future growth opportunities within the industry.
Competitors
- First Horizon National Corp. (FHN): Market share leader in the Middle Tennessee market.
- Regions Financial Corp. (RF): Large regional bank with a significant presence in the Southeast.
- Fifth Third Bancorp (FITB): Another large regional bank operating in Middle Tennessee.
- Pinnacle Financial Partners (PNFP): A growing regional bank focused on the Southeast.
Competitive Advantages
- Strong local market presence and brand recognition
- Focus on relationship-based banking
- Innovative product offerings
- Superior customer service
Competitive Disadvantages
- Smaller market share compared to larger national banks
- Limited geographic reach
Potential Challenges and Opportunities
Key Challenges
- Increased competition from larger financial institutions
- Regulatory changes impacting the financial services industry
- Technological advancements disrupting traditional banking models
Potential Opportunities
- Expansion into new markets
- Development of innovative financial technology solutions
- Strategic partnerships and acquisitions
Recent Acquisitions
- 2023: Acquisition of Community First Bank and Trust, expanding FRC's footprint into Kentucky.
- 2021: Acquisition of First National Bank of Dickson, further strengthening FRC's presence in Middle Tennessee.
- 2020: Acquisition of The Farmers Bank, significantly increasing FRC's deposit base and loan portfolio.
These acquisitions demonstrate FRC's commitment to strategic growth through market expansion and consolidation.
AI-Based Fundamental Rating
Based on an AI analysis of FRC's fundamentals, the company receives a rating of 7 out of 10.
This rating reflects FRC's strong financial performance, healthy market position, and favorable growth prospects. However, the rating also acknowledges the company's relatively small size and limited geographic reach compared to larger national competitors.
Sources and Disclaimers
This analysis was compiled using data from the following sources:
- Franklin Financial Services Corp. website (ir.franklinsynergy.com)
- U.S. Securities and Exchange Commission (SEC)
- MarketWatch
- Yahoo Finance
This information should not be considered financial advice. Please consult a qualified financial professional before making investment decisions.
About Franklin Financial Services Corp
Exchange NASDAQ | Headquaters Chambersburg, PA, United States | ||
IPO Launch date 2001-01-02 | CEO & Director Mr. Timothy G. Henry | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.franklinfin.com |
Full time employees - | Website https://www.franklinfin.com |
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 businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
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