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Franklin Financial Services Corp. (FRAF) vs NewtekOne, Inc. (NEWT)

Franklin Financial Services Corp. and NewtekOne, Inc. are both Banks Regional companies. Franklin Financial Services Corp. and NewtekOne, Inc. are of similar size ($313.1M and $308.3M). NewtekOne, Inc. trades at the lower P/E: 4.8× against 12.8×. NewtekOne, Inc. grew revenue faster over the last twelve months: 11.7% against 9.78%. Franklin Financial Services Corp. has the higher net margin (18.2% vs 15.2%) and the higher return on invested capital (10.7% vs 5.17%). Both pay a dividend; NewtekOne, Inc. yields more (7.10% vs 2.40%). Across the 20 metrics below, NewtekOne, Inc. leads on 12 and Franklin Financial Services Corp. on 8.

Valuation

Metric FRAF NEWT Banks Regional median
P/E 12.76 4.78 12.02
P/S 2.32 0.75 2.36
P/B 1.71 0.84 1.23
Price to free cash flow 7.52 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.84% 20.93% 8.21%
Free cash flow yield 13.30% (242.49%) 9.23%

Profitability

Metric FRAF NEWT Banks Regional median
Gross margin 69.92% 100.00% 69.81%
Operating margin 0.00% 62.85% 0.00%
Net margin 18.20% 15.20% 18.82%
Free cash flow margin 30.90% (181.88%) 17.97%
Return on equity 14.45% 18.79% 10.28%
Return on assets 1.07% 2.33% 1.13%
Return on invested capital 10.71% 5.17% 8.45%

Growth

Metric FRAF NEWT Banks Regional median
Revenue growth (TTM) 9.78% 11.71% 6.37%
EPS growth (last fiscal year) 88.84% 11.22% 18.85%
Revenue growth, 5-year CAGR 16.96% 32.97% 12.65%
Net income growth, 5-year CAGR 10.64% 11.59% 9.81%

Health

Metric FRAF NEWT Banks Regional median
Debt to equity 1.09 6.54 0.17
Current ratio 0.93 0.65 0.93
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric FRAF NEWT Banks Regional median
Dividend yield 2.40% 7.10% 2.49%
Payout ratio 0.31 0.34 0.29

Size

Metric FRAF NEWT Banks Regional median
Market cap 313.05m 308.28m 934.85m

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