DDM Analysis: FRAF

Valuation Snapshot

Stable Growth	$592.63 - $698.27	$654.36
Multi-Stage	$177.16 - $194.27	$185.56
Blended Fair Value	$419.96
Current Price	$46.00
Upside	812.95%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	1.93%	7.05%	1.27	1.26	1.27	1.24	1.18	1.15	1.03	0.91	0.79	0.71
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.13	1.96	1.18
Cash Retained (M)	9.89	9.89	9.89
(-) Cash Required (M)	-3.13	-1.96	-1.18
(=) Excess Retained (M)	6.76	7.93	8.72
(/) Shares Outstanding (M)	4.44	4.44	4.44
(=) Excess Retained per Share	1.52	1.78	1.96
LTM Dividend per Share	1.30	1.30	1.30
(+) Excess Retained per Share	1.52	1.78	1.96
(=) Adjusted Dividend	2.82	3.09	3.26
WACC / Discount Rate	5.04%	5.04%	5.04%
Growth Rate	5.05%	6.05%	7.05%
Fair Value	$592.63	$654.36	$698.27
Upside / Downside	1,188.33%	1,322.52%	1,417.99%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	15.67	16.62	17.63	18.69	19.82	21.03	21.66
Payout Ratio	36.88%	47.50%	58.13%	68.75%	79.38%	90.00%	92.50%
Projected Dividends (M)	5.78	7.89	10.25	12.85	15.74	18.92	20.03

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.04%	5.04%	5.04%
Growth Rate	5.05%	6.05%	7.05%
Year 1 PV (M)	7.45	7.52	7.59
Year 2 PV (M)	9.11	9.29	9.46
Year 3 PV (M)	10.78	11.09	11.41
Year 4 PV (M)	12.45	12.93	13.42
Year 5 PV (M)	14.12	14.80	15.51
PV of Terminal Value (M)	733.55	769.14	806.09
Equity Value (M)	787.45	824.76	863.48
Shares Outstanding (M)	4.44	4.44	4.44
Fair Value	$177.16	$185.56	$194.27
Upside / Downside	285.14%	303.39%	322.32%

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Franklin Financial Services Corporation (FRAF)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener