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Franklin Financial Services Corp (FRAF)

Upturn stock ratingUpturn stock rating
$34.79
Delayed price
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PASS
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Upturn Advisory Summary

02/04/2025: FRAF (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

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Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Analysis of Past Performance

Type Stock
Historic Profit -6.99%
Avg. Invested days 35
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 02/04/2025

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 -
Full time employees -

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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