Ronald Cekovich - Franklin Financial SVP

FRAF Stock  USD 30.14  0.29  0.97%   

SVP

Mr. Ronald L. Cekovich is Senior Vice President and Technology Service Manager of FM Trust of Franklin Financial Services Corporationration He was Vice President and Technology Services Manager of FM Trust since 2001. since 2006.
Age 67
Tenure 18 years
Address 1500 Nitterhouse Drive, Chambersburg, PA, United States, 17201-0819
Phone717 264 6116
Webhttps://www.franklinfin.com

Franklin Financial Management Efficiency

The Franklin Financial's current Return On Tangible Assets is estimated to increase to 0.01. The Franklin Financial's current Return On Capital Employed is estimated to increase to 0.11. At this time, Franklin Financial's Intangible Assets are most likely to increase significantly in the upcoming years. The Franklin Financial's current Net Tangible Assets is estimated to increase to about 122 M, while Other Assets are projected to decrease to 0.95. Franklin Financial's management efficiency ratios could be used to measure how well Franklin Financial manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 154.48 M in liabilities with Debt to Equity (D/E) ratio of 10.27, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Franklin Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Franklin Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Franklin Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Franklin to invest in growth at high rates of return. When we think about Franklin Financial's use of debt, we should always consider it together with cash and equity.

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Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania. Franklin Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 280 people. Franklin Financial Services (FRAF) is traded on NASDAQ Exchange in USA. It is located in 1500 Nitterhouse Drive, Chambersburg, PA, United States, 17201-0819 and employs 306 people. Franklin Financial is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Franklin Financial Leadership Team

Elected by the shareholders, the Franklin Financial's board of directors comprises two types of representatives: Franklin Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Franklin. The board's role is to monitor Franklin Financial's management team and ensure that shareholders' interests are well served. Franklin Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Franklin Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Mark Hollar, CFO, Sr. VP and Treasurer
Patricia Hanks, Senior Vice President and Retail Services Market Manager of F&M Trust
Stanley Kerlin, Independent Director
Donald Fry, Independent Director
G Elliott, Independent Chairman of the Board
Steven Poynot, Ex COO
Lise Esq, Sr Co
Patricia Lacy, Director
Kimberly Rzomp, Director
Charles Carroll, Executive Trust
Martin Brown, Independent Director
Martha Walker, Independent Director
Joyce Riley, Assistant Sec
Gregory Duffey, Director
Daniel Fisher, Independent Director
Donald Mowery, Independent Director
Ronald Cekovich, Sr. VP of FandM Trust and Technology Service Manager of FandM Trust
Timothy Henry, President Director
Amanda Ducey, Corporate Secretary
Karen Carmack, Senior Vice President and Human Resources Manager
Lorie Heckman, VP Trust
William Snell, CEO and President and Director
Richard Jordan, Independent Director
Allan Jennings, Independent Director
Steven Butz, Sr. VP of FandM Trust and Commercial Services Market Manager of FandM Trust
Matthew Weaver, Senior Vice President Marketing and Corporate Communications Manager of F&M Trust
Lise Shehan, Senior Vice President and Investment and Trust Services Manager

Franklin Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Franklin Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether Franklin Financial is a strong investment it is important to analyze Franklin Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Franklin Financial's future performance. For an informed investment choice regarding Franklin Stock, refer to the following important reports:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Franklin Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation.
Note that the Franklin Financial information on this page should be used as a complementary analysis to other Franklin Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Volatility Analysis module to get historical volatility and risk analysis based on latest market data.

Complementary Tools for Franklin Stock analysis

When running Franklin Financial's price analysis, check to measure Franklin Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Franklin Financial is operating at the current time. Most of Franklin Financial's value examination focuses on studying past and present price action to predict the probability of Franklin Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Franklin Financial's price. Additionally, you may evaluate how the addition of Franklin Financial to your portfolios can decrease your overall portfolio volatility.
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Is Franklin Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Franklin Financial. If investors know Franklin will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Franklin Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.28
Earnings Share
3.1
Revenue Per Share
15.035
Quarterly Revenue Growth
(0.02)
The market value of Franklin Financial is measured differently than its book value, which is the value of Franklin that is recorded on the company's balance sheet. Investors also form their own opinion of Franklin Financial's value that differs from its market value or its book value, called intrinsic value, which is Franklin Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Franklin Financial's market value can be influenced by many factors that don't directly affect Franklin Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Franklin Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Franklin Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Franklin Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.