Franklin Financial Corp
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $4.4M | $2.7M | $2.5M | $1.8M | $2.0M |
| Total assets | $1.09B | $1.06B | $1.07B | $1.10B | $971.1M |
| Total liabilities | $854.3M | $817.9M | $821.3M | $847.4M | $844.3M |
| Equity | $239.6M | $241.4M | $249.5M | $249.6M | $126.8M |
| EPS (diluted) | $0.38 | $0.23 | $0.19 | $0.13 | $0.00 |
| Shares out. | 11.8M | 12.2M | 13.0M | 14.3M | 0 |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2014- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.8%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 78.1%
- Debt / equity
- 3.57×
- Book value / share
- $20.35
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 62.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2014- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Dec 16, 2013
- NT 10-Kmissed a reporting deadline ↗Dec 14, 2012
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Wheeler Richard T JrOfficer — Chairman. President & CEO | Jan 2, 2015 | Tax withholding | 28,227 | $21.71 |
| Shenton Barry ROfficer — Vice President | Jan 2, 2015 | Tax withholding | 18,726 | $21.71 |
| Marker Donald FOfficer — V.P., CFO & Secretary/Treasure | Jan 2, 2015 | Tax withholding | 20,935 | $21.71 |
| Lohr Steven ROfficer — Vice President | Jan 2, 2015 | D | 8,631 | $0.00 |
| Wootton PercyDirector | Jan 2, 2015 | D | 19,247 | $0.00 |
| Wiltshire Richard W JrDirector | Jan 2, 2015 | D | 26,783 | $0.00 |
| Scott George LDirector | Jan 2, 2015 | D | 10,579 | $0.00 |
| Robertson Elizabeth WDirector | Jan 2, 2015 | D | 56,002 | $0.00 |
| Mackey Warren ADirector | Jan 2, 2015 | D | 6,680 | $0.00 |
| Harrison Hugh T IiDirector | Jan 2, 2015 | D | 13,409 | $0.00 |
| Marker Donald FOfficer — V.P., CFO & Secretary/Treasure | Dec 23, 2014 | J | 51,198 | $0.00 |
| Wheeler Richard T JrOfficer — Chairman. President & CEO | Dec 23, 2014 | J | 88,708 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventDec 15, 2014
- Shareholder vote · Other material eventDec 4, 2014
- Results of operationsAug 6, 2014
- Entered a material agreementJul 16, 2014
- Other material eventJul 15, 2014
- Results of operationsMay 7, 2014
- Shareholder voteFeb 28, 2014
- Results of operationsFeb 7, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.