Franklin Financial Services vs First United
FRAF and FUNC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FRAF and FUNC compare
Franklin Financial Services and First United are about the same size, with market caps of $314M and $299M.
On earnings, Franklin Financial Services is cheaper: it trades at 11.3× trailing earnings, against 12.0× for First United.
Franklin Financial Services grew revenue faster over the last twelve months (15.7% versus 11.4% for First United).
First United keeps more of each dollar of sales as profit, with a net margin of 26.8% compared with 26.0% at Franklin Financial Services.
Both pay dividends: Franklin Financial Services yields 1.9% and First United 2.3%.
Franklin Financial Services scores higher on the StockData Score (15 against 13 for First United), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FRAF | FUNC |
|---|---|---|
| Size and price | ||
| Market cap | $314M | $299M |
| Share price | $69.88 | $46.26 |
| Change, 1 year | 48.2% | 29.4% |
| Change, 5 years | 113% | 134% |
| Beta (5Y) | 0.24 | 0.68 |
| Employees | 306 | 343 |
| StockData Score | ||
| Total score | 15 (better) | 13 |
| Valuation score | 2 | 2 |
| Growth score | 3 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 3 | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 11.3× (better) | 12.0× |
| P/S | 2.9× (better) | 3.2× |
| P/B | 1.8× | 1.4× (better) |
| P/FCF | – | 11.5× |
| PEG | 0.93 (better) | 134.96 |
| FCF yield | – | 8.7% |
| Fair value | $57.63 | $39.63 |
| Margin of safety | −21.3% | −16.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 15.7% (better) | 11.4% |
| Revenue growth, 5Y average | 9.3% (better) | 5.7% |
| Net income growth (TTM) | 77.6% (better) | 5.5% |
| EPS growth (TTM) | 77.1% (better) | 6.0% |
| EPS growth, 5Y average | 10.1% | 13.9% (better) |
| Profitability | ||
| Net margin | 26.0% | 26.8% (better) |
| FCF margin | – | 27.9% |
| Return on equity | 16.2% (better) | 12.4% |
| Financial health | ||
| Debt / equity | – | 0.33 |
| Altman Z-score | 0.23 | 0.29 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% | 2.3% (better) |
| Payout ratio | 21.6% | 25.9% |
| Years of dividend growth | 1 | 7 (better) |
| Dividend growth, 5Y average | 1.8% | 13.0% (better) |
| Buyback yield | 0.44% (better) | −0.12% |
| Shareholder yield | 2.4% (better) | 2.2% |
| Ownership | ||
| Held by institutions | 37.5% | 49.5% |
| Held by insiders | 8.0% | 4.6% |
| Insider net buying, 12 months | −$33.1K (better) | −$503K |
| Short interest, % of float | 5.9% | 1.2% |
Go deeper
- FRAF stock overview
- FRAF income statement
- FRAF valuation and score
- FUNC stock overview
- FUNC income statement
- FUNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.