Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Franklin Financial Services Corporation (FRAF)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$73.28 - $170.84$107.50
Multi-Stage$56.32 - $61.50$58.86
Blended Fair Value$83.18
Current Price$46.00
Upside80.83%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS1.93%7.05%1.271.261.271.241.181.151.030.910.790.71
YoY Growth--0.61%-1.11%2.43%5.70%2.17%11.24%14.07%14.42%12.23%10.26%
Dividend Yield--3.57%4.87%4.29%3.68%3.77%4.19%2.87%2.48%2.60%3.21%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)15.67
(-) Cash Dividends Paid (M)5.78
(=) Cash Retained (M)9.89
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)3.131.961.18
Cash Retained (M)9.899.899.89
(-) Cash Required (M)-3.13-1.96-1.18
(=) Excess Retained (M)6.767.938.72
(/) Shares Outstanding (M)4.444.444.44
(=) Excess Retained per Share1.521.781.96
LTM Dividend per Share1.301.301.30
(+) Excess Retained per Share1.521.781.96
(=) Adjusted Dividend2.823.093.26
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.05%6.05%7.05%
Fair Value$73.28$107.50$170.84
Upside / Downside59.30%133.69%271.39%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)15.6716.6217.6318.6919.8221.0321.66
Payout Ratio36.88%47.50%58.13%68.75%79.38%90.00%92.50%
Projected Dividends (M)5.787.8910.2512.8515.7418.9220.03

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.05%6.05%7.05%
Year 1 PV (M)7.177.247.30
Year 2 PV (M)8.458.618.77
Year 3 PV (M)9.629.9010.18
Year 4 PV (M)10.6911.1111.53
Year 5 PV (M)11.6812.2412.83
PV of Terminal Value (M)202.71212.54222.75
Equity Value (M)250.32261.64273.37
Shares Outstanding (M)4.444.444.44
Fair Value$56.32$58.86$61.50
Upside / Downside22.43%27.97%33.71%

High-Yield Dividend Screener

« Prev Page 26 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
ODFLOld Dominion Freight Line, Inc.0.69%$1.1022.00%
RRBIRed River Bancshares, Inc.0.69%$0.487.90%
SSDSimpson Manufacturing Co., Inc.0.69%$1.1413.76%
WCCWESCO International, Inc.0.69%$1.7513.38%
ALGAlamo Group Inc.0.68%$1.1511.96%
CBKCommercial Bancgroup, Inc. Common Stock0.68%$0.166.13%
IRMDIRadimed Corporation0.68%$0.6539.59%
UNFUniFirst Corporation0.68%$1.3216.37%
WTSWatts Water Technologies, Inc.0.68%$1.9019.65%
0HF3.LCencora0.67%$2.2528.12%
AITApplied Industrial Technologies, Inc.0.67%$1.7516.64%
CLMBClimb Global Solutions, Inc.0.67%$0.6814.50%
ASTHAstrana Health, Inc.0.66%$0.1786.52%
AVGOBroadcom Inc.0.66%$2.2848.18%
ENSEnerSys0.66%$0.9911.20%
HLIOHelios Technologies, Inc.0.66%$0.3635.50%
ICFIICF International, Inc.0.66%$0.5610.52%
VMCVulcan Materials Company0.66%$1.9322.82%
AAMEAtlantic American Corporation0.65%$0.027.99%
AMATApplied Materials, Inc.0.65%$1.7319.78%
CRMSalesforce, Inc.0.65%$1.6421.86%
GHCGraham Holdings Company0.65%$7.064.22%
LFACLF Capital Acquisition Corp. II0.65%$0.0724.33%
BSYBentley Systems, Incorporated0.64%$0.2530.41%
EHCEncompass Health Corporation0.64%$0.6812.77%
LADLithia Motors, Inc.0.64%$2.136.25%
PRBMParabellum Acquisition Corp.0.64%$0.065.11%
VRSNVeriSign, Inc.0.64%$1.5417.77%
AWIArmstrong World Industries, Inc.0.63%$1.2417.71%
ESQEsquire Financial Holdings, Inc.0.63%$0.6411.29%
SGISomnigroup International Inc0.63%$0.5637.60%
ULSUL Solutions Inc.0.63%$0.5130.38%
VMIValmont Industries, Inc.0.63%$2.5821.97%
ARCBArcBest Corporation0.62%$0.4811.39%
VVisa Inc.0.62%$2.1323.10%
LSXMAThe Liberty SiriusXM Group0.61%$0.141.73%
0J1R.LHCA Healthcare, Inc.0.60%$2.8110.70%
MPWRMonolithic Power Systems, Inc.0.60%$5.6614.34%
RXNZurn Water Solutions Corporation0.60%$0.3924.10%
0I47.LCostco Wholesale Corporation0.59%$5.0527.04%
DJCODaily Journal Corporation0.59%$2.954.20%
DRSLeonardo DRS, Inc.0.59%$0.2020.75%
FCNCAFirst Citizens BancShares, Inc.0.59%$12.697.01%
AMEAMETEK, Inc.0.58%$1.2019.00%
KLACKLA Corporation0.57%$7.2622.67%
SXIStandex International Corporation0.57%$1.2729.15%
RDVTRed Violet, Inc.0.56%$0.2937.32%
0IRE.LFortive Corporation0.55%$0.3016.72%
AIMCAltra Industrial Motion Corp.0.55%$0.3417.56%
BWXTBWX Technologies, Inc.0.55%$1.0029.87%