CoastalSouth Bancshares, Inc. (COSO) vs Franklin Financial Services Corp. (FRAF)

CoastalSouth Bancshares, Inc. and Franklin Financial Services Corp. are both Banks Regional companies. CoastalSouth Bancshares, Inc. and Franklin Financial Services Corp. are of similar size ($331.6M and $313.1M). CoastalSouth Bancshares, Inc. trades at the lower P/E: 12.3× against 12.8×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs 18.2%) and the lower return on invested capital (6.97% vs 10.7%). Both pay a dividend; Franklin Financial Services Corp. yields more (2.40% vs 0.53%). Across the 16 metrics below, CoastalSouth Bancshares, Inc. leads on 10 and Franklin Financial Services Corp. on 6.

Valuation

Metric COSO FRAF Banks Regional median
P/E 12.29 12.76 12.02
P/S 2.42 2.32 2.36
P/B 1.26 1.71 1.23
Price to free cash flow 5.08 7.52 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.13% 7.84% 8.21%
Free cash flow yield 19.68% 13.30% 9.23%

Profitability

Metric COSO FRAF Banks Regional median
Gross margin 62.61% 69.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.59% 18.20% 18.82%
Free cash flow margin 47.72% 30.90% 17.97%
Return on equity 11.50% 14.45% 10.28%
Return on assets 1.19% 1.07% 1.13%
Return on invested capital 6.97% 10.71% 8.45%

Growth

Metric COSO FRAF Banks Regional median
Revenue growth (TTM) — 9.78% 6.37%
EPS growth (last fiscal year) 3.26% 88.84% 18.85%
Revenue growth, 5-year CAGR — 16.96% 12.65%
Net income growth, 5-year CAGR — 10.64% 9.81%

Health

Metric COSO FRAF Banks Regional median
Debt to equity 0.28 1.09 0.17
Current ratio 0.95 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric COSO FRAF Banks Regional median
Dividend yield 0.53% 2.40% 2.49%
Payout ratio 0.07 0.31 0.29

Size

Metric COSO FRAF Banks Regional median
Market cap 331.61m 313.05m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack