Princeton Bancorp, Inc. (BPRN) vs Franklin Financial Services Corp. (FRAF)

Princeton Bancorp, Inc. and Franklin Financial Services Corp. are both Banks Regional companies. Princeton Bancorp, Inc. and Franklin Financial Services Corp. are of similar size ($294.3M and $280.1M). Princeton Bancorp, Inc. trades at the lower P/E: 11.4× against 11.4×. Franklin Financial Services Corp. grew revenue faster over the last twelve months: 9.78% against −2.79%. Princeton Bancorp, Inc. has the higher net margin (19.0% vs 18.2%) and the lower return on invested capital (9.78% vs 10.7%). Both pay a dividend; Franklin Financial Services Corp. yields more (4.49% vs 3.81%). Across the 20 metrics below, Franklin Financial Services Corp. leads on 12 and Princeton Bancorp, Inc. on 8.

Valuation

Metric BPRN FRAF Banks Regional median
P/E 11.39 11.41 12.15
P/S 2.17 2.08 2.37
P/B 1.06 1.53 1.21
Price to free cash flow 12.65 6.73 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.69 2.04 2.27
Earnings yield 8.78% 8.76% 8.11%
Free cash flow yield 7.91% 14.87% 8.98%

Profitability

Metric BPRN FRAF Banks Regional median
Gross margin 63.21% 69.92% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.99% 18.20% 18.66%
Free cash flow margin 17.17% 30.90% 21.18%
Return on equity 9.54% 14.45% 10.64%
Return on assets 2.30% 1.07% 1.13%
Return on invested capital 9.78% 10.71% 8.33%

Growth

Metric BPRN FRAF Banks Regional median
Revenue growth (TTM) (2.79%) 9.78% 6.61%
EPS growth (last fiscal year) 74.84% 88.84% —
Revenue growth, 5-year CAGR 15.90% 16.96% 12.30%
Net income growth, 5-year CAGR 6.15% 10.64% 9.71%

Health

Metric BPRN FRAF Banks Regional median
Debt to equity 0.00 1.09 0.22
Current ratio 0.94 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPRN FRAF Banks Regional median
Dividend yield 3.81% 4.49% 3.75%
Payout ratio 0.26 0.39 0.27

Size

Metric BPRN FRAF Banks Regional median
Market cap 294.26m 280.14m 921.07m

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