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FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

USA - NASDAQ:FRAF - US3535251082 - Common Stock

45.75 USD
-0.06 (-0.13%)
Last: 10/23/2025, 8:03:58 PM
43.72 USD
-2.03 (-4.44%)
After Hours: 10/16/2025, 8:00:01 PM
Fundamental Rating

2

FRAF gets a fundamental rating of 2 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

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.
FRAF had a positive operating cash flow in each of the past 5 years.
FRAF Yearly Net Income VS EBIT VS OCF VS FCFFRAF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.64%, FRAF is not doing good in the industry: 67.26% of the companies in the same industry are doing better.
FRAF has a Return On Equity of 9.26%. This is comparable to the rest of the industry: FRAF outperforms 57.80% of its industry peers.
Industry RankSector 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
FRAF Yearly ROA, ROE, ROICFRAF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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.
In the last couple of years the Profit Margin of FRAF has declined.
The Operating Margin and Gross Margin are not available for FRAF so they could not be analyzed.
Industry RankSector 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
FRAF Yearly Profit, Operating, Gross MarginsFRAF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
The number of shares outstanding for FRAF has been increased compared to 5 years ago.
Compared to 1 year ago, FRAF has an improved debt to assets ratio.
FRAF Yearly Shares OutstandingFRAF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
FRAF Yearly Total Debt VS Total AssetsFRAF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

FRAF has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.81, FRAF is in the better half of 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.
With a decent Debt to Equity ratio value of 0.13, FRAF is doing good in the industry, outperforming 61.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.81
Altman-Z N/A
ROIC/WACCN/A
WACC14.66%
FRAF Yearly LT Debt VS Equity VS FCFFRAF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRAF Yearly Current Assets VS Current LiabilitesFRAF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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1

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.29% over the past year.
FRAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.32% yearly.
The Revenue has been growing slightly by 7.49% in the past year.
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.
FRAF Yearly Revenue VS EstimatesFRAF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

FRAF is valuated correctly with a Price/Earnings ratio of 14.03.
Based on the Price/Earnings ratio, FRAF is valued a bit more expensive than the industry average as 63.68% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.67, FRAF is valued a bit cheaper.
Industry RankSector Rank
PE 14.03
Fwd PE N/A
FRAF Price Earnings VS Forward Price EarningsFRAF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FRAF is valued a bit cheaper than the industry average as 79.03% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.29
EV/EBITDA N/A
FRAF Per share dataFRAF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 3.55.
Compared to an average S&P500 Dividend Yield of 2.35, FRAF pays a bit more dividend than the S&P500 average.
Industry RankSector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.92%
Div Incr Years0
Div Non Decr Years11
FRAF Yearly Dividends per shareFRAF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

FRAF pays out 39.27% of its income as dividend. This is a sustainable payout ratio.
DP39.27%
EPS Next 2YN/A
EPS Next 3YN/A
FRAF Yearly Income VS Free CF VS DividendFRAF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FRAF Dividend Payout.FRAF Dividend Payout, showing the Payout Ratio.FRAF Dividend Payout.PayoutRetained Earnings

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FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (10/23/2025, 8:03:58 PM)

After market: 43.72 -2.03 (-4.44%)

45.75

-0.06 (-0.13%)

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 Cap204.96M
Revenue(TTM)77.40M
Net Income(TTM)14.54M
Analysts0
Price TargetN/A
Short Float %2.07%
Short Ratio4.03
Dividend
Industry RankSector 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 RankSector Rank
PE 14.03
Fwd PE N/A
P/S 2.65
P/FCF 8.29
P/OCF 7.81
P/B 1.3
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)3.26
EY7.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.52
FCFY12.06%
OCF(TTM)5.86
OCFY12.81%
SpS17.28
BVpS35.27
TBVpS33.25
PEG (NY)N/A
PEG (5Y)N/A
Graham Number50.86
Profitability
Industry RankSector 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 RankSector 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
WACC14.66%
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%