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Franklin Financial Services Corp. (FRAF) vs First Western Financial, Inc. (MYFW)

Franklin Financial Services Corp. and First Western Financial, Inc. are both Banks Regional companies. Franklin Financial Services Corp. and First Western Financial, Inc. are of similar size ($287.7M and $282.6M). Franklin Financial Services Corp. trades at the lower P/E: 11.4× against 15.5×. Franklin Financial Services Corp. grew revenue faster over the last twelve months: 9.78% against 8.99%. Franklin Financial Services Corp. has the higher net margin (18.2% vs 9.50%) and the higher return on invested capital (10.7% vs 7.99%). Across the 18 metrics below, Franklin Financial Services Corp. leads on 14 and First Western Financial, Inc. on 4.

Valuation

Metric FRAF MYFW Banks Regional median
P/E 11.43 15.49 11.98
P/S 2.08 1.48 2.34
P/B 1.53 1.02 1.19
Price to free cash flow 6.74 11.12 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.75% 6.45% 8.23%
Free cash flow yield 14.84% 8.99% 9.08%

Profitability

Metric FRAF MYFW Banks Regional median
Gross margin 69.92% 56.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.20% 9.50% 18.66%
Free cash flow margin 30.90% 13.32% 21.11%
Return on equity 14.45% 6.84% 10.65%
Return on assets 1.07% 0.59% 1.13%
Return on invested capital 10.71% 7.99% 8.35%

Growth

Metric FRAF MYFW Banks Regional median
Revenue growth (TTM) 9.78% 8.99% 6.98%
EPS growth (last fiscal year) 88.84% 55.17% 18.88%
Revenue growth, 5-year CAGR 16.96% 12.26% 12.38%
Net income growth, 5-year CAGR 10.64% (11.68%) 9.71%

Health

Metric FRAF MYFW Banks Regional median
Debt to equity 1.09 0.29 0.22
Current ratio 0.93 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRAF MYFW Banks Regional median
Dividend yield 2.14% — 2.57%
Payout ratio 0.24 — 0.30

Size

Metric FRAF MYFW Banks Regional median
Market cap 282.62m 287.68m 913.33m

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