Franklin Financial Services Corp. (FRAF) vs Virginia National Bankshares Corporation (VABK)

Franklin Financial Services Corp. and Virginia National Bankshares Corporation are both Banks Regional companies. Franklin Financial Services Corp. and Virginia National Bankshares Corporation are of similar size ($282.6M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 11.4×. Franklin Financial Services Corp. grew revenue faster over the last twelve months: 9.78% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 18.2%) and the higher return on invested capital (14.1% vs 10.7%). Both pay a dividend; Virginia National Bankshares Corporation yields more (2.83% vs 2.14%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 11 and Franklin Financial Services Corp. on 8.

Valuation

Metric FRAF VABK Banks Regional median
P/E 11.43 11.10 11.98
P/S 2.08 3.13 2.34
P/B 1.53 1.42 1.19
Price to free cash flow 6.74 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.75% 9.01% 8.23%
Free cash flow yield 14.84% 8.35% 9.08%

Profitability

Metric FRAF VABK Banks Regional median
Gross margin 69.92% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.20% 28.18% 18.66%
Free cash flow margin 30.90% 26.16% 21.11%
Return on equity 14.45% 13.57% 10.65%
Return on assets 1.07% 1.52% 1.13%
Return on invested capital 10.71% 14.14% 8.35%

Growth

Metric FRAF VABK Banks Regional median
Revenue growth (TTM) 9.78% 5.24% 6.98%
EPS growth (last fiscal year) 88.84% 12.70% 18.88%
Revenue growth, 5-year CAGR 16.96% 19.78% 12.38%
Net income growth, 5-year CAGR 10.64% 19.28% 9.71%

Health

Metric FRAF VABK Banks Regional median
Debt to equity 1.09 0.10 0.22
Current ratio 0.93 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRAF VABK Banks Regional median
Dividend yield 2.14% 2.83% 2.57%
Payout ratio 0.24 0.32 0.30

Size

Metric FRAF VABK Banks Regional median
Market cap 282.62m 279.11m 913.33m

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