FRANKLIN FINANCIAL SERVICES (FRAF) Fundamental Analysis & Valuation

NASDAQ:FRAF • US3535251082

Current stock price

50.15 USD
+1.68 (+3.47%)
At close:
50.15 USD
0 (0%)
After Hours:

This FRAF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FRAF Profitability Analysis

1.1 Basic Checks

  • In the past year FRAF was profitable.
  • FRAF had a positive operating cash flow in the past year.
  • Each year in the past 5 years FRAF has been profitable.
  • Of the past 5 years FRAF 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • With a Return On Assets value of 0.68%, FRAF is not doing good in the industry: 73.95% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 9.42%, FRAF is in line with its industry, outperforming 53.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.68%
ROE 9.42%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FRAF Yearly ROA, ROE, ROICFRAF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FRAF has a Profit Margin of 19.37%. This is in the lower half of the industry: FRAF underperforms 72.11% of its industry peers.
  • In the last couple of years the Profit Margin of FRAF has remained more or less at the same level.
  • FRAF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.25%
PM growth 5Y1.27%
GM growth 3YN/A
GM growth 5YN/A
FRAF Yearly Profit, Operating, Gross MarginsFRAF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. FRAF Health Analysis

2.1 Basic Checks

  • FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FRAF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FRAF Yearly Shares OutstandingFRAF Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of FRAF is 0.44, which is an excellent value as it means it would take FRAF, only 0.44 years of fcf income to pay off all of its debts.
  • FRAF's Debt to FCF ratio of 0.44 is amongst the best of the industry. FRAF outperforms 81.84% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FRAF is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.07, FRAF is doing good in the industry, outperforming 77.37% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACCN/A
WACC14.42%
FRAF Yearly LT Debt VS Equity VS FCFFRAF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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6

3. FRAF Growth Analysis

3.1 Past

  • FRAF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.78%, which is quite impressive.
  • Measured over the past years, FRAF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.02% on average per year.
  • The Revenue has grown by 24.77% in the past year. This is a very strong growth!
  • Measured over the past years, FRAF shows a quite strong growth in Revenue. The Revenue has been growing by 9.26% on average per year.
EPS 1Y (TTM)90.78%
EPS 3Y12.15%
EPS 5Y10.02%
EPS Q2Q%1129.51%
Revenue 1Y (TTM)24.77%
Revenue growth 3Y9.94%
Revenue growth 5Y9.26%
Sales Q2Q%51.54%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • FRAF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.81% yearly.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.7%
Revenue Next 2Y8.81%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
FRAF Yearly Revenue VS EstimatesFRAF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M

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3

4. FRAF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.58, the valuation of FRAF can be described as very reasonable.
  • 69.21% of the companies in the same industry are more expensive than FRAF, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of FRAF to the average of the S&P500 Index (25.23), we can say FRAF is valued rather cheaply.
Industry RankSector Rank
PE 10.58
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

  • 73.68% of the companies in the same industry are more expensive than FRAF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.08
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)1.06
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. FRAF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.69%, FRAF has a reasonable but not impressive dividend return.
  • FRAF's Dividend Yield is comparable with the industry average which is at 2.78.
  • FRAF's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.69%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • FRAF pays out 36.86% of its income as dividend. This is a sustainable payout ratio.
  • FRAF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.86%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
FRAF Dividend Payout.FRAF Dividend Payout, showing the Payout Ratio.FRAF Dividend Payout.PayoutRetained Earnings

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FRAF Fundamentals: All Metrics, Ratios and Statistics

FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (3/23/2026, 5:20:01 PM)

After market: 50.15 0 (0%)

50.15

+1.68 (+3.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners35.66%
Inst Owner Change1011.22%
Ins Owners5.27%
Ins Owner Change0.04%
Market Cap224.67M
Revenue(TTM)88.83M
Net Income(TTM)15.67M
Analysts0
Price TargetN/A
Short Float %1.89%
Short Ratio1.54
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend1.28
Dividend Growth(5Y)1.92%
DP36.86%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-06
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 10.58
Fwd PE N/A
P/S 2.78
P/FCF 9.08
P/OCF 8.64
P/B 1.35
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)4.74
EY9.45%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.52
FCFY11.01%
OCF(TTM)5.81
OCFY11.58%
SpS18.06
BVpS37.13
TBVpS35.12
PEG (NY)N/A
PEG (5Y)1.06
Graham Number62.93
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 9.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.37%
GM N/A
FCFM 30.59%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y2.25%
PM growth 5Y1.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.44
Debt/EBITDA N/A
Cap/Depr 59.63%
Cap/Sales 1.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 157.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)90.78%
EPS 3Y12.15%
EPS 5Y10.02%
EPS Q2Q%1129.51%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.77%
Revenue growth 3Y9.94%
Revenue growth 5Y9.26%
Sales Q2Q%51.54%
Revenue Next Year10.7%
Revenue Next 2Y8.81%
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 1Y13.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.72%
OCF growth 3YN/A
OCF growth 5YN/A

FRANKLIN FINANCIAL SERVICES / FRAF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FRANKLIN FINANCIAL SERVICES?

ChartMill assigns a fundamental rating of 4 / 10 to FRAF.


What is the valuation status of FRANKLIN FINANCIAL SERVICES (FRAF) stock?

ChartMill assigns a valuation rating of 3 / 10 to FRANKLIN FINANCIAL SERVICES (FRAF). This can be considered as Overvalued.


What is the profitability of FRAF stock?

FRANKLIN FINANCIAL SERVICES (FRAF) has a profitability rating of 2 / 10.


Can you provide the financial health for FRAF stock?

The financial health rating of FRANKLIN FINANCIAL SERVICES (FRAF) is 3 / 10.


Can you provide the dividend sustainability for FRAF stock?

The dividend rating of FRANKLIN FINANCIAL SERVICES (FRAF) is 7 / 10 and the dividend payout ratio is 36.86%.