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FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FRAF - US3535251082 - Common Stock

53.91 USD
+0.86 (+1.62%)
Last: 11/26/2025, 5:37:31 PM
Fundamental Rating

2

Taking everything into account, FRAF scores 2 out of 10 in our fundamental rating. FRAF was compared to 387 industry peers in the Banks industry. FRAF has a bad profitability rating. Also its financial health evaluation is rather negative. FRAF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FRAF had positive earnings in the past year.
In the past year FRAF had a positive cash flow from operations.
FRAF had positive earnings in each of the past 5 years.
In the past 5 years FRAF always reported a positive cash flow from operatings.
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

FRAF has a worse Return On Assets (0.64%) than 69.51% of its industry peers.
FRAF has a Return On Equity of 9.24%. This is comparable to the rest of the industry: FRAF outperforms 55.04% of its industry peers.
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

FRAF has a worse Profit Margin (18.78%) than 68.48% of its industry peers.
FRAF's Profit Margin has declined in the last couple of years.
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) 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.
FRAF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FRAF has been increased compared to 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's Debt to FCF ratio of 0.81 is fine compared to the rest of the industry. FRAF outperforms 73.90% 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's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. FRAF outperforms 62.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.81
Altman-Z N/A
ROIC/WACCN/A
WACC13.97%
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 5.36%.
The Earnings Per Share has been decreasing by -7.28% on average over the past years.
Looking at the last year, FRAF shows a small growth in Revenue. The Revenue has grown by 7.49% in the last year.
Measured over the past years, FRAF shows a small growth in Revenue. The Revenue has been growing by 4.35% on average per year.
EPS 1Y (TTM)5.36%
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

Based on the Price/Earnings ratio of 16.54, the valuation of FRAF can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FRAF indicates a slightly more expensive valuation: FRAF is more expensive than 73.64% of the companies listed in the same industry.
FRAF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
Industry RankSector Rank
PE 16.54
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 68.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.89
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

With a Yearly Dividend Yield of 2.69%, FRAF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, FRAF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FRAF has a dividend comparable with the average S&P500 company.
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 been paying a dividend for at least 10 years, so it has 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 (11/26/2025, 5:37:31 PM)

53.91

+0.86 (+1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-26 2026-01-26
Inst Owners34.66%
Inst Owner Change4.72%
Ins Owners5.4%
Ins Owner Change1.11%
Market Cap241.52M
Revenue(TTM)77.40M
Net Income(TTM)14.54M
Analysts0
Price TargetN/A
Short Float %1.64%
Short Ratio3.34
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend1.28
Dividend Growth(5Y)1.92%
DP39.27%
Div Incr Years0
Div Non Decr Years11
Ex-Date11-07 2025-11-07 (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 16.54
Fwd PE N/A
P/S 3.12
P/FCF 9.89
P/OCF 9.3
P/B 1.53
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)3.26
EY6.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.45
FCFY10.11%
OCF(TTM)5.8
OCFY10.75%
SpS17.28
BVpS35.13
TBVpS33.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number50.76
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
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-20.11%
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 168.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.97%
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)5.36%
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%

FRANKLIN FINANCIAL SERVICES / FRAF FAQ

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

ChartMill assigns a fundamental rating of 2 / 10 to FRAF.


Can you provide the valuation status for FRANKLIN FINANCIAL SERVICES?

ChartMill assigns a valuation rating of 2 / 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.


What are the PE and PB ratios of FRANKLIN FINANCIAL SERVICES (FRAF) stock?

The Price/Earnings (PE) ratio for FRANKLIN FINANCIAL SERVICES (FRAF) is 16.54 and the Price/Book (PB) ratio is 1.53.


How sustainable is the dividend of FRANKLIN FINANCIAL SERVICES (FRAF) stock?

The dividend rating of FRANKLIN FINANCIAL SERVICES (FRAF) is 5 / 10 and the dividend payout ratio is 39.27%.