Franklin Financial Services vs Lcnb
Franklin Financial Services and Lcnb are similar in size: $88.8m and $92.0m of revenue in their latest fiscal years. Franklin Financial Services grew faster (24.8% against 13.3%). Lcnb kept more of each dollar of sales as profit: a net margin of 25.1% against 23.9%.
| Latest fiscal year | Franklin Financial ServicesFRAF, 2025 | LcnbLCNB, 2025 |
|---|---|---|
| Revenue | $88.8m | $92.0m |
| Revenue growth | 24.8% | 13.3% |
| Net income | $21.2m | $23.1m |
| Operating margin | — | — |
| Net margin | 23.9% | 25.1% |
| Return on equity | 13.3% | 8.8% |
| Free cash flow | $25.4m | $33.4m |
| Cash | $128m | $21.6m |
| Total debt | $155,000 | $104m |
| Debt to equity | — | — |
| Dividend per share | $1.31 | $0.88 |
| Dividend yield | 1.8% | 4.4% |
| Share buybacks | $1.1m | — |
| Employees | — | — |
| Market value | $317m | $282m |
| Price vs our value range | — | — |
| Moat score | 50 (Moderate) | 53 (Moderate) |
| Insider trades, 12 months | 8 buys, 2 sales | 6 buys, 2 sales |