Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
74
FRAF Quote, Financials, Valuation and Earnings
Last price:
$51.71
Seasonality move
:
-0.03%
Day range:
$51.27 - $52.50
52-week range:
$28.01 - $59.95
Dividend yield:
2.54%
P/E ratio:
14.74x
P/S ratio:
1.81x
P/B ratio:
1.39x
Volume:
31.5K
Avg. volume:
53.4K
1-year change:
67.94%
Market cap:
$231.3M
Revenue:
$114.9M
EPS (TTM):
$3.50
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
FRAF
Franklin Financial Services Corp. (Pennsylvania)
|
-- | -- | -- | -- | -- |
|
AFBI
Affinity Bancshares, Inc.
|
-- | -- | -- | -- | -- |
|
CTBI
Community Trust Bancorp, Inc. (Kentucky)
|
$71.9M | $1.38 | -25.11% | 13.16% | $61.67 |
|
CZNC
Citizens & Northern Corp.
|
$28.5M | $0.53 | -13.4% | 10.48% | $22.50 |
|
SFBC
Sound Financial Bancorp, Inc.
|
-- | -- | -- | -- | -- |
|
UNB
Union Bankshares, Inc. (Vermont)
|
-- | -- | -- | -- | -- |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
FRAF
Franklin Financial Services Corp. (Pennsylvania)
|
$51.64 | -- | $231.3M | 14.74x | $0.33 | 2.54% | 1.81x |
|
AFBI
Affinity Bancshares, Inc.
|
$21.38 | -- | $131.9M | 18.42x | $1.50 | 0% | 2.69x |
|
CTBI
Community Trust Bancorp, Inc. (Kentucky)
|
$58.24 | $61.67 | $1.1B | 11.26x | $0.53 | 3.43% | 2.63x |
|
CZNC
Citizens & Northern Corp.
|
$20.66 | $22.50 | $367.8M | 11.81x | $0.28 | 5.42% | 1.97x |
|
SFBC
Sound Financial Bancorp, Inc.
|
$43.44 | -- | $103.7M | 16.46x | $0.19 | 1.75% | 1.80x |
|
UNB
Union Bankshares, Inc. (Vermont)
|
$23.69 | -- | $108.6M | 9.56x | $0.36 | 6.08% | 1.27x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
FRAF
Franklin Financial Services Corp. (Pennsylvania)
|
56.36% | 0.279 | 104.28% | 0.00x |
|
AFBI
Affinity Bancshares, Inc.
|
30.1% | 0.517 | 44.21% | 0.00x |
|
CTBI
Community Trust Bancorp, Inc. (Kentucky)
|
30.59% | 0.855 | 36.16% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.740 | 56.63% | 0.00x |
|
SFBC
Sound Financial Bancorp, Inc.
|
27.49% | -0.147 | 37.03% | 0.00x |
|
UNB
Union Bankshares, Inc. (Vermont)
|
78.71% | -0.665 | 253.08% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
FRAF
Franklin Financial Services Corp. (Pennsylvania)
|
-- | $6.7M | 4.08% | 10.18% | 52.6% | $9.1M |
|
AFBI
Affinity Bancshares, Inc.
|
-- | $2.9M | 4.14% | 6% | 59.72% | $3.6M |
|
CTBI
Community Trust Bancorp, Inc. (Kentucky)
|
-- | $30.9M | 8.37% | 11.84% | 61.61% | $30.8M |
|
CZNC
Citizens & Northern Corp.
|
-- | $8.9M | 5.6% | 9.51% | 47.39% | $8.5M |
|
SFBC
Sound Financial Bancorp, Inc.
|
-- | $2.1M | 4.6% | 6.52% | 50.25% | $3M |
|
UNB
Union Bankshares, Inc. (Vermont)
|
-- | $3.9M | 3.29% | 15.84% | 52.76% | -$37.1M |
Franklin Financial Services Corp. (Pennsylvania) vs. Competitors
-
Which has Higher Returns FRAF or AFBI?
Affinity Bancshares, Inc. has a net margin of 15.53% compared to Franklin Financial Services Corp. (Pennsylvania)'s net margin of 16.41%. Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18% beat Affinity Bancshares, Inc.'s return on equity of 6%.
Company Gross Margin Earnings Per Share Invested Capital FRAFFranklin Financial Services Corp. (Pennsylvania)-- $1.19 $381.2M AFBIAffinity Bancshares, Inc.-- $0.34 $179.4M -
What do Analysts Say About FRAF or AFBI?
Franklin Financial Services Corp. (Pennsylvania) has a consensus price target of --, signalling downside risk potential of --. On the other hand Affinity Bancshares, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Franklin Financial Services Corp. (Pennsylvania) has higher upside potential than Affinity Bancshares, Inc., analysts believe Franklin Financial Services Corp. (Pennsylvania) is more attractive than Affinity Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FRAFFranklin Financial Services Corp. (Pennsylvania)0 0 0 AFBIAffinity Bancshares, Inc.0 0 0 -
Is FRAF or AFBI More Risky?
Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, which suggesting that the stock is 110.091% less volatile than S&P 500. In comparison Affinity Bancshares, Inc. has a beta of 0.220, suggesting its less volatile than the S&P 500 by 77.99%.
-
Which is a Better Dividend Stock FRAF or AFBI?
Franklin Financial Services Corp. (Pennsylvania) has a quarterly dividend of $0.33 per share corresponding to a yield of 2.54%. Affinity Bancshares, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $1.50 per share. Franklin Financial Services Corp. (Pennsylvania) pays 50.91% of its earnings as a dividend. Affinity Bancshares, Inc. pays out -- of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FRAF or AFBI?
Franklin Financial Services Corp. (Pennsylvania) quarterly revenues are $34.5M, which are larger than Affinity Bancshares, Inc. quarterly revenues of $13.5M. Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M is higher than Affinity Bancshares, Inc.'s net income of $2.2M. Notably, Franklin Financial Services Corp. (Pennsylvania)'s price-to-earnings ratio is 14.74x while Affinity Bancshares, Inc.'s PE ratio is 18.42x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Franklin Financial Services Corp. (Pennsylvania) is 1.81x versus 2.69x for Affinity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FRAFFranklin Financial Services Corp. (Pennsylvania)1.81x 14.74x $34.5M $5.4M AFBIAffinity Bancshares, Inc.2.69x 18.42x $13.5M $2.2M
-
Which has Higher Returns FRAF or CTBI?
Community Trust Bancorp, Inc. (Kentucky) has a net margin of 15.53% compared to Franklin Financial Services Corp. (Pennsylvania)'s net margin of 23.05%. Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18% beat Community Trust Bancorp, Inc. (Kentucky)'s return on equity of 11.84%.
Company Gross Margin Earnings Per Share Invested Capital FRAFFranklin Financial Services Corp. (Pennsylvania)-- $1.19 $381.2M CTBICommunity Trust Bancorp, Inc. (Kentucky)-- $1.32 $1.2B -
What do Analysts Say About FRAF or CTBI?
Franklin Financial Services Corp. (Pennsylvania) has a consensus price target of --, signalling downside risk potential of --. On the other hand Community Trust Bancorp, Inc. (Kentucky) has an analysts' consensus of $61.67 which suggests that it could grow by 5.88%. Given that Community Trust Bancorp, Inc. (Kentucky) has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe Community Trust Bancorp, Inc. (Kentucky) is more attractive than Franklin Financial Services Corp. (Pennsylvania).
Company Buy Ratings Hold Ratings Sell Ratings FRAFFranklin Financial Services Corp. (Pennsylvania)0 0 0 CTBICommunity Trust Bancorp, Inc. (Kentucky)1 0 0 -
Is FRAF or CTBI More Risky?
Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, which suggesting that the stock is 110.091% less volatile than S&P 500. In comparison Community Trust Bancorp, Inc. (Kentucky) has a beta of 0.602, suggesting its less volatile than the S&P 500 by 39.789%.
-
Which is a Better Dividend Stock FRAF or CTBI?
Franklin Financial Services Corp. (Pennsylvania) has a quarterly dividend of $0.33 per share corresponding to a yield of 2.54%. Community Trust Bancorp, Inc. (Kentucky) offers a yield of 3.43% to investors and pays a quarterly dividend of $0.53 per share. Franklin Financial Services Corp. (Pennsylvania) pays 50.91% of its earnings as a dividend. Community Trust Bancorp, Inc. (Kentucky) pays out 40.38% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FRAF or CTBI?
Franklin Financial Services Corp. (Pennsylvania) quarterly revenues are $34.5M, which are smaller than Community Trust Bancorp, Inc. (Kentucky) quarterly revenues of $103.7M. Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M is lower than Community Trust Bancorp, Inc. (Kentucky)'s net income of $23.9M. Notably, Franklin Financial Services Corp. (Pennsylvania)'s price-to-earnings ratio is 14.74x while Community Trust Bancorp, Inc. (Kentucky)'s PE ratio is 11.26x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Franklin Financial Services Corp. (Pennsylvania) is 1.81x versus 2.63x for Community Trust Bancorp, Inc. (Kentucky). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FRAFFranklin Financial Services Corp. (Pennsylvania)1.81x 14.74x $34.5M $5.4M CTBICommunity Trust Bancorp, Inc. (Kentucky)2.63x 11.26x $103.7M $23.9M
-
Which has Higher Returns FRAF or CZNC?
Citizens & Northern Corp. has a net margin of 15.53% compared to Franklin Financial Services Corp. (Pennsylvania)'s net margin of 15.87%. Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital FRAFFranklin Financial Services Corp. (Pennsylvania)-- $1.19 $381.2M CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About FRAF or CZNC?
Franklin Financial Services Corp. (Pennsylvania) has a consensus price target of --, signalling downside risk potential of --. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 8.91%. Given that Citizens & Northern Corp. has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe Citizens & Northern Corp. is more attractive than Franklin Financial Services Corp. (Pennsylvania).
Company Buy Ratings Hold Ratings Sell Ratings FRAFFranklin Financial Services Corp. (Pennsylvania)0 0 0 CZNCCitizens & Northern Corp.0 1 0 -
Is FRAF or CZNC More Risky?
Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, which suggesting that the stock is 110.091% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.
-
Which is a Better Dividend Stock FRAF or CZNC?
Franklin Financial Services Corp. (Pennsylvania) has a quarterly dividend of $0.33 per share corresponding to a yield of 2.54%. Citizens & Northern Corp. offers a yield of 5.42% to investors and pays a quarterly dividend of $0.28 per share. Franklin Financial Services Corp. (Pennsylvania) pays 50.91% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FRAF or CZNC?
Franklin Financial Services Corp. (Pennsylvania) quarterly revenues are $34.5M, which are smaller than Citizens & Northern Corp. quarterly revenues of $40.9M. Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M is lower than Citizens & Northern Corp.'s net income of $6.5M. Notably, Franklin Financial Services Corp. (Pennsylvania)'s price-to-earnings ratio is 14.74x while Citizens & Northern Corp.'s PE ratio is 11.81x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Franklin Financial Services Corp. (Pennsylvania) is 1.81x versus 1.97x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FRAFFranklin Financial Services Corp. (Pennsylvania)1.81x 14.74x $34.5M $5.4M CZNCCitizens & Northern Corp.1.97x 11.81x $40.9M $6.5M
-
Which has Higher Returns FRAF or SFBC?
Sound Financial Bancorp, Inc. has a net margin of 15.53% compared to Franklin Financial Services Corp. (Pennsylvania)'s net margin of 10.92%. Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18% beat Sound Financial Bancorp, Inc.'s return on equity of 6.52%.
Company Gross Margin Earnings Per Share Invested Capital FRAFFranklin Financial Services Corp. (Pennsylvania)-- $1.19 $381.2M SFBCSound Financial Bancorp, Inc.-- $0.66 $148.2M -
What do Analysts Say About FRAF or SFBC?
Franklin Financial Services Corp. (Pennsylvania) has a consensus price target of --, signalling downside risk potential of --. On the other hand Sound Financial Bancorp, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Franklin Financial Services Corp. (Pennsylvania) has higher upside potential than Sound Financial Bancorp, Inc., analysts believe Franklin Financial Services Corp. (Pennsylvania) is more attractive than Sound Financial Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings FRAFFranklin Financial Services Corp. (Pennsylvania)0 0 0 SFBCSound Financial Bancorp, Inc.0 0 0 -
Is FRAF or SFBC More Risky?
Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, which suggesting that the stock is 110.091% less volatile than S&P 500. In comparison Sound Financial Bancorp, Inc. has a beta of 0.102, suggesting its less volatile than the S&P 500 by 89.837%.
-
Which is a Better Dividend Stock FRAF or SFBC?
Franklin Financial Services Corp. (Pennsylvania) has a quarterly dividend of $0.33 per share corresponding to a yield of 2.54%. Sound Financial Bancorp, Inc. offers a yield of 1.75% to investors and pays a quarterly dividend of $0.19 per share. Franklin Financial Services Corp. (Pennsylvania) pays 50.91% of its earnings as a dividend. Sound Financial Bancorp, Inc. pays out 42.31% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FRAF or SFBC?
Franklin Financial Services Corp. (Pennsylvania) quarterly revenues are $34.5M, which are larger than Sound Financial Bancorp, Inc. quarterly revenues of $15.5M. Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M is higher than Sound Financial Bancorp, Inc.'s net income of $1.7M. Notably, Franklin Financial Services Corp. (Pennsylvania)'s price-to-earnings ratio is 14.74x while Sound Financial Bancorp, Inc.'s PE ratio is 16.46x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Franklin Financial Services Corp. (Pennsylvania) is 1.81x versus 1.80x for Sound Financial Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FRAFFranklin Financial Services Corp. (Pennsylvania)1.81x 14.74x $34.5M $5.4M SFBCSound Financial Bancorp, Inc.1.80x 16.46x $15.5M $1.7M
-
Which has Higher Returns FRAF or UNB?
Union Bankshares, Inc. (Vermont) has a net margin of 15.53% compared to Franklin Financial Services Corp. (Pennsylvania)'s net margin of 15.23%. Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18% beat Union Bankshares, Inc. (Vermont)'s return on equity of 15.84%.
Company Gross Margin Earnings Per Share Invested Capital FRAFFranklin Financial Services Corp. (Pennsylvania)-- $1.19 $381.2M UNBUnion Bankshares, Inc. (Vermont)-- $0.75 $364.8M -
What do Analysts Say About FRAF or UNB?
Franklin Financial Services Corp. (Pennsylvania) has a consensus price target of --, signalling downside risk potential of --. On the other hand Union Bankshares, Inc. (Vermont) has an analysts' consensus of -- which suggests that it could fall by --. Given that Franklin Financial Services Corp. (Pennsylvania) has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe Franklin Financial Services Corp. (Pennsylvania) is more attractive than Union Bankshares, Inc. (Vermont).
Company Buy Ratings Hold Ratings Sell Ratings FRAFFranklin Financial Services Corp. (Pennsylvania)0 0 0 UNBUnion Bankshares, Inc. (Vermont)0 0 0 -
Is FRAF or UNB More Risky?
Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.101, which suggesting that the stock is 110.091% less volatile than S&P 500. In comparison Union Bankshares, Inc. (Vermont) has a beta of 0.384, suggesting its less volatile than the S&P 500 by 61.565%.
-
Which is a Better Dividend Stock FRAF or UNB?
Franklin Financial Services Corp. (Pennsylvania) has a quarterly dividend of $0.33 per share corresponding to a yield of 2.54%. Union Bankshares, Inc. (Vermont) offers a yield of 6.08% to investors and pays a quarterly dividend of $0.36 per share. Franklin Financial Services Corp. (Pennsylvania) pays 50.91% of its earnings as a dividend. Union Bankshares, Inc. (Vermont) pays out 74.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios FRAF or UNB?
Franklin Financial Services Corp. (Pennsylvania) quarterly revenues are $34.5M, which are larger than Union Bankshares, Inc. (Vermont) quarterly revenues of $22.6M. Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M is higher than Union Bankshares, Inc. (Vermont)'s net income of $3.4M. Notably, Franklin Financial Services Corp. (Pennsylvania)'s price-to-earnings ratio is 14.74x while Union Bankshares, Inc. (Vermont)'s PE ratio is 9.56x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Franklin Financial Services Corp. (Pennsylvania) is 1.81x versus 1.27x for Union Bankshares, Inc. (Vermont). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income FRAFFranklin Financial Services Corp. (Pennsylvania)1.81x 14.74x $34.5M $5.4M UNBUnion Bankshares, Inc. (Vermont)1.27x 9.56x $22.6M $3.4M
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