Franklin Financial Services Corp. (FRAF) vs GBank Financial Holdings Inc. (GBFH)

Franklin Financial Services Corp. and GBank Financial Holdings Inc. are both Banks Regional companies. Franklin Financial Services Corp. and GBank Financial Holdings Inc. are of similar size ($280.1M and $274.2M). Franklin Financial Services Corp. trades at the lower P/E: 11.4× against 14.8×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 9.78%. Franklin Financial Services Corp. has the higher net margin (18.2% vs 15.4%) and the lower return on invested capital (10.7% vs 23.9%). Across the 17 metrics below, Franklin Financial Services Corp. leads on 11 and GBank Financial Holdings Inc. on 6.

Valuation

Metric FRAF GBFH Banks Regional median
P/E 11.41 14.82 12.15
P/S 2.08 2.31 2.37
P/B 1.53 1.60 1.21
Price to free cash flow 6.73 8.91 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.04 1.38 2.27
Earnings yield 8.76% 6.75% 8.11%
Free cash flow yield 14.87% 11.22% 8.98%

Profitability

Metric FRAF GBFH Banks Regional median
Gross margin 69.92% 68.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.20% 15.44% 18.66%
Free cash flow margin 30.90% 25.93% 21.18%
Return on equity 14.45% 11.39% 10.64%
Return on assets 1.07% 1.39% 1.13%
Return on invested capital 10.71% 23.93% 8.33%

Growth

Metric FRAF GBFH Banks Regional median
Revenue growth (TTM) 9.78% 19.95% 6.61%
EPS growth (last fiscal year) 88.84% 5.11% —
Revenue growth, 5-year CAGR 16.96% — 12.30%
Net income growth, 5-year CAGR 10.64% — 9.71%

Health

Metric FRAF GBFH Banks Regional median
Debt to equity 1.09 0.18 0.22
Current ratio 0.93 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRAF GBFH Banks Regional median
Dividend yield 4.49% — 3.75%
Payout ratio 0.39 — 0.27

Size

Metric FRAF GBFH Banks Regional median
Market cap 280.14m 274.22m 921.07m

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