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Franklin Financial Services Corp. (FRAF) vs Mvb Financial Corp. (MVBF)

Franklin Financial Services Corp. and Mvb Financial Corp. are both Banks Regional companies. Franklin Financial Services Corp. and Mvb Financial Corp. are of similar size ($332.5M and $313.1M). Franklin Financial Services Corp. trades at the lower P/E: 12.8× against 14.8×. Franklin Financial Services Corp. grew revenue faster over the last twelve months: 9.78% against −4.19%. Franklin Financial Services Corp. has the higher net margin (18.2% vs 9.46%) and the lower return on invested capital (10.7% vs 15.0%). Both pay a dividend; Mvb Financial Corp. yields more (2.66% vs 2.40%). Across the 18 metrics below, Franklin Financial Services Corp. leads on 12 and Mvb Financial Corp. on 6.

Valuation

Metric FRAF MVBF Banks Regional median
P/E 12.76 14.84 12.02
P/S 2.32 1.42 2.36
P/B 1.71 1.00 1.23
Price to free cash flow 7.52 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.84% 6.74% 8.21%
Free cash flow yield 13.30% (10.68%) 9.23%

Profitability

Metric FRAF MVBF Banks Regional median
Gross margin 69.92% 71.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.20% 9.46% 18.82%
Free cash flow margin 30.90% (14.69%) 17.97%
Return on equity 14.45% 6.72% 10.28%
Return on assets 1.07% 0.66% 1.13%
Return on invested capital 10.71% 15.02% 8.45%

Growth

Metric FRAF MVBF Banks Regional median
Revenue growth (TTM) 9.78% (4.19%) 6.37%
EPS growth (last fiscal year) 88.84% 34.64% 18.85%
Revenue growth, 5-year CAGR 16.96% 6.46% 12.65%
Net income growth, 5-year CAGR 10.64% (6.12%) 9.81%

Health

Metric FRAF MVBF Banks Regional median
Debt to equity 1.09 0.00 0.17
Current ratio 0.93 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRAF MVBF Banks Regional median
Dividend yield 2.40% 2.66% 2.49%
Payout ratio 0.31 0.41 0.29

Size

Metric FRAF MVBF Banks Regional median
Market cap 313.05m 332.49m 934.85m

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