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FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

USA - NASDAQ:FRAF - US3535251082 - Common Stock

48.92 USD
+0.15 (+0.31%)
Last: 9/19/2025, 8:10:21 PM
48.92 USD
0 (0%)
After Hours: 9/19/2025, 8:10:21 PM
Fundamental Rating

2

Overall FRAF gets a fundamental rating of 2 out of 10. We evaluated FRAF against 392 industry peers in the Banks industry. FRAF has a bad profitability rating. Also its financial health evaluation is rather negative. FRAF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FRAF was profitable.
In the past year FRAF had a positive cash flow from operations.
Each year in the past 5 years FRAF has been profitable.
Each year in the past 5 years FRAF 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 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: 67.35% of the companies in the same industry are doing better.
With a Return On Equity value of 9.24%, FRAF perfoms like the industry average, outperforming 57.91% of the companies in the same industry.
Industry RankSector Rank
ROA 0.64%
ROE 9.24%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.81%
ROE(3y)10.35%
ROE(5y)10.47%
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 18.78%, FRAF is doing worse than 65.31% 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) 18.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.11%
PM growth 5Y-11.06%
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.
Compared to 1 year ago, FRAF has more shares outstanding
FRAF has more shares outstanding than it did 5 years ago.
FRAF has a better debt/assets ratio than last year.
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

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.
FRAF has a Debt to FCF ratio of 0.81. This is in the better half of the industry: FRAF outperforms 76.53% of its industry peers.
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 better Debt to Equity ratio (0.13) than 62.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.81
Altman-Z N/A
ROIC/WACCN/A
WACC14.68%
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

FRAF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.48%.
Measured over the past years, FRAF shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.28% on average per year.
Looking at the last year, FRAF shows a small growth in Revenue. The Revenue has grown by 7.49% in the last 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)5.48%
EPS 3Y-17.14%
EPS 5Y-7.28%
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

The Price/Earnings ratio is 14.96, which indicates a correct valuation of FRAF.
64.03% of the companies in the same industry are cheaper than FRAF, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.38, FRAF is valued a bit cheaper.
Industry RankSector Rank
PE 14.96
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

FRAF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FRAF is cheaper than 76.28% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.97
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

5. Dividend

5.1 Amount

FRAF has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.
FRAF's Dividend Yield is comparable with the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.38, FRAF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.71%

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
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

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
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 (9/19/2025, 8:10:21 PM)

After market: 48.92 0 (0%)

48.92

+0.15 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20
Inst Owners34.66%
Inst Owner Change18%
Ins Owners5.4%
Ins Owner Change1.96%
Market Cap219.16M
Analysts0
Price TargetN/A
Short Float %2.03%
Short Ratio3.52
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
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 14.96
Fwd PE N/A
P/S 2.83
P/FCF 8.97
P/OCF 8.44
P/B 1.39
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)3.27
EY6.68%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.45
FCFY11.14%
OCF(TTM)5.8
OCFY11.85%
SpS17.28
BVpS35.13
TBVpS33.11
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 9.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.78%
GM N/A
FCFM 31.56%
ROA(3y)0.71%
ROA(5y)0.81%
ROE(3y)10.35%
ROE(5y)10.47%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.11%
PM growth 5Y-11.06%
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 73.08%
Cap/Sales 2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 168.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.68%
ROIC/WACCN/A
Cap/Depr(3y)332.06%
Cap/Depr(5y)353.29%
Cap/Sales(3y)7.54%
Cap/Sales(5y)7.44%
Profit Quality(3y)150.57%
Profit Quality(5y)117.54%
High Growth Momentum
Growth
EPS 1Y (TTM)5.48%
EPS 3Y-17.14%
EPS 5Y-7.28%
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-4.1%
FCF growth 3Y3.04%
FCF growth 5Y2.07%
OCF growth 1Y-11.47%
OCF growth 3Y-6.19%
OCF growth 5Y2.78%