FRAF Fundamental Analysis - FRANKLIN FINANCIAL SERVICES

Fundamental Rating

FRAF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. FRAF may be in some trouble as it scores bad on both profitability and health. FRAF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

FRAF had positive earnings in the past year.

FRAF had a positive operating cash flow in the past year.

FRAF had positive earnings in each of the past 5 years.

Each year in the past 5 years FRAF had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.64%, FRAF is doing worse than 67.26% of the companies in the same industry.

FRAF's Return On Equity of 9.26% is in line compared to the rest of the industry. FRAF outperforms 57.80% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	9.26%
ROIC	N/A

ROA(3y)0.71%

ROA(5y)0.82%

ROE(3y)10.42%

ROE(5y)10.52%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 18.79%, FRAF is doing worse than 65.22% of the companies in the same industry.

FRAF's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for FRAF so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.79%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-20.35%

PM growth 5Y-11.22%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for FRAF has been increased compared to 1 year ago.

Compared to 5 years ago, FRAF has more shares outstanding

The debt/assets ratio for FRAF has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of FRAF is 0.81, which is an excellent value as it means it would take FRAF, only 0.81 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 0.81, FRAF is doing good in the industry, outperforming 75.70% of the companies in the same industry.

FRAF has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.

FRAF has a Debt to Equity ratio of 0.13. This is in the better half of the industry: FRAF outperforms 61.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	0.81
Altman-Z	N/A

ROIC/WACCN/A

WACC14.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FRAF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.29%.

Measured over the past years, FRAF shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.32% on average per year.

FRAF shows a small growth in Revenue. In the last year, the Revenue has grown by 7.49%.

FRAF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.35% yearly.

EPS 1Y (TTM)5.29%

EPS 3Y-17.19%

EPS 5Y-7.32%

EPS Q2Q%100%

Revenue 1Y (TTM)7.49%

Revenue growth 3Y3.53%

Revenue growth 5Y4.35%

Sales Q2Q%20.37%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.75, the valuation of FRAF can be described as correct.

Based on the Price/Earnings ratio, FRAF is valued a bit more expensive than the industry average as 61.13% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.77, FRAF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.75
Fwd PE	N/A

4.2 Price Multiples

FRAF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FRAF is cheaper than 80.82% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FRAF has a Yearly Dividend Yield of 3.02%.

FRAF's Dividend Yield is comparable with the industry average which is at 3.60.

FRAF's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.02%

5.2 History

The dividend of FRAF has a limited annual growth rate of 1.92%.

FRAF has paid a dividend for at least 10 years, which is a reliable track record.

FRAF has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.92%

Div Incr Years0

Div Non Decr Years11

5.3 Sustainability

39.27% of the earnings are spent on dividend by FRAF. This is a low number and sustainable payout ratio.

DP39.27%

EPS Next 2YN/A

EPS Next 3YN/A

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FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (10/22/2025, 10:35:50 AM)

44.81

+0.26 (+0.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-28 2025-10-28

Inst Owners34.66%

Inst Owner Change0.01%

Ins Owners5.4%

Ins Owner Change1.65%

Market Cap200.75M

Revenue(TTM)77.40M

Net Income(TTM)14.54M

Analysts0

Price TargetN/A

Short Float %2.07%

Short Ratio4.03

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.02%

Yearly Dividend1.28

Dividend Growth(5Y)1.92%

DP39.27%

Div Incr Years0

Div Non Decr Years11

Ex-Date08-01 2025-08-01 (0.33)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	13.75
Fwd PE	N/A
P/S	2.59
P/FCF	8.12
P/OCF	7.64
P/B	1.27
P/tB	1.35
EV/EBITDA	N/A

EPS(TTM)3.26

EY7.28%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)5.52

FCFY12.31%

OCF(TTM)5.86

OCFY13.08%

SpS17.28

BVpS35.27

TBVpS33.25

PEG (NY)N/A

PEG (5Y)N/A

Graham Number50.86

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	9.26%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.79%
GM	N/A
FCFM	31.93%

ROA(3y)0.71%

ROA(5y)0.82%

ROE(3y)10.42%

ROE(5y)10.52%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-20.35%

PM growth 5Y-11.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	0.81
Debt/EBITDA	N/A
Cap/Depr	73.11%
Cap/Sales	2%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	169.95%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.78%

ROIC/WACCN/A

Cap/Depr(3y)332.11%

Cap/Depr(5y)353.32%

Cap/Sales(3y)7.54%

Cap/Sales(5y)7.44%

Profit Quality(3y)151.02%

Profit Quality(5y)117.81%

High Growth Momentum

Growth

EPS 1Y (TTM)5.29%

EPS 3Y-17.19%

EPS 5Y-7.32%

EPS Q2Q%100%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.49%

Revenue growth 3Y3.53%

Revenue growth 5Y4.35%

Sales Q2Q%20.37%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-2.98%

FCF growth 3Y3.47%

FCF growth 5Y2.33%

OCF growth 1Y-10.5%

OCF growth 3Y-5.84%

OCF growth 5Y3.01%

FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens