Franklin Financial Services (FRAF) Competitors

NB Bancorp (NASDAQ:NBBK) and Franklin Financial Services (NASDAQ:FRAF) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, valuation, earnings, media sentiment, analyst recommendations, profitability, risk and dividends.

Which has higher earnings & valuation, NBBK or FRAF?

NB Bancorp has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than NB Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$304.05M	2.42	$42.15M	$1.33	13.86
Franklin Financial Services	$115.13M	1.66	$11.10M	$3.26	13.11

Do institutionals & insiders hold more shares of NBBK or FRAF?

24.8% of Franklin Financial Services shares are held by institutional investors. 1.9% of NB Bancorp shares are held by company insiders. Comparatively, 6.9% of Franklin Financial Services shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Which has more risk & volatility, NBBK or FRAF?

NB Bancorp has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

Is NBBK or FRAF more profitable?

NB Bancorp has a net margin of 15.86% compared to Franklin Financial Services' net margin of 11.78%. Franklin Financial Services' return on equity of 9.78% beat NB Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
NB Bancorp	15.86%	7.37%	1.07%
Franklin Financial Services	11.78%	9.78%	0.66%

Does the media refer more to NBBK or FRAF?

In the previous week, NB Bancorp and NB Bancorp both had 1 articles in the media. NB Bancorp's average media sentiment score of 1.55 beat Franklin Financial Services' score of 0.93 indicating that NB Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
NB Bancorp	Very Positive
Franklin Financial Services	Positive

Is NBBK or FRAF a better dividend stock?

NB Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.5%. Franklin Financial Services pays an annual dividend of $1.32 per share and has a dividend yield of 3.1%. NB Bancorp pays out 21.1% of its earnings in the form of a dividend. Franklin Financial Services pays out 40.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Franklin Financial Services has increased its dividend for 1 consecutive years. Franklin Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts rate NBBK or FRAF?

NB Bancorp currently has a consensus target price of $20.00, indicating a potential upside of 8.46%. Given NB Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe NB Bancorp is more favorable than Franklin Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Franklin Financial Services	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

NB Bancorp beats Franklin Financial Services on 12 of the 18 factors compared between the two stocks.