Franklin Financial Services Corp. (FRAF) vs John Marshall Bancorp, Inc. (JMSB)

Franklin Financial Services Corp. and John Marshall Bancorp, Inc. are both Banks Regional companies. Franklin Financial Services Corp. and John Marshall Bancorp, Inc. are of similar size ($323.2M and $313.1M). Franklin Financial Services Corp. trades at the lower P/E: 12.8× against 13.2×. Franklin Financial Services Corp. grew revenue faster over the last twelve months: 9.78% against 5.51%. John Marshall Bancorp, Inc. has the higher net margin (20.3% vs 18.2%) and the lower return on invested capital (8.35% vs 10.7%). Both pay a dividend; Franklin Financial Services Corp. yields more (2.40% vs 1.22%). Across the 19 metrics below, Franklin Financial Services Corp. leads on 15 and John Marshall Bancorp, Inc. on 4.

Valuation

Metric FRAF JMSB Banks Regional median
P/E 12.76 13.23 12.02
P/S 2.32 2.68 2.36
P/B 1.71 1.17 1.23
Price to free cash flow 7.52 14.89 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.84% 7.56% 8.21%
Free cash flow yield 13.30% 6.72% 9.23%

Profitability

Metric FRAF JMSB Banks Regional median
Gross margin 69.92% 56.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.20% 20.33% 18.82%
Free cash flow margin 30.90% 18.03% 17.97%
Return on equity 14.45% 9.23% 10.28%
Return on assets 1.07% 1.04% 1.13%
Return on invested capital 10.71% 8.35% 8.45%

Growth

Metric FRAF JMSB Banks Regional median
Revenue growth (TTM) 9.78% 5.51% 6.37%
EPS growth (last fiscal year) 88.84% 24.17% 18.85%
Revenue growth, 5-year CAGR 16.96% 14.61% 12.65%
Net income growth, 5-year CAGR 10.64% 2.77% 9.81%

Health

Metric FRAF JMSB Banks Regional median
Debt to equity 1.09 0.44 0.17
Current ratio 0.93 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRAF JMSB Banks Regional median
Dividend yield 2.40% 1.22% 2.49%
Payout ratio 0.31 0.16 0.29

Size

Metric FRAF JMSB Banks Regional median
Market cap 313.05m 323.17m 934.85m

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