Franklin Financial Services vs First National
Franklin Financial Services and First National are similar in size: $88.8m and $90.3m of revenue in their latest fiscal years. First National grew faster (31.1% against 24.8%). Franklin Financial Services kept more of each dollar of sales as profit: a net margin of 23.9% against 19.6%.
| Latest fiscal year | Franklin Financial ServicesFRAF, 2025 | First NationalFXNC, 2025 |
|---|---|---|
| Revenue | $88.8m | $90.3m |
| Revenue growth | 24.8% | 31.1% |
| Net income | $21.2m | $17.7m |
| Operating margin | — | — |
| Net margin | 23.9% | 19.6% |
| Return on equity | 13.3% | 10.0% |
| Free cash flow | $25.4m | $20.9m |
| Cash | $128m | $161m |
| Total debt | $155,000 | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.31 | $0.64 |
| Dividend yield | 1.8% | 2.0% |
| Share buybacks | $1.1m | — |
| Employees | — | 308 |
| Market value | $317m | $277m |
| Price vs our value range | — | — |
| Moat score | 50 (Moderate) | 53 (Moderate) |
| Insider trades, 12 months | 8 buys, 2 sales | 1 buys, 0 sales |