FRANKLIN FINANCIAL SERVICES (FRAF) Stock Fundamental Analysis

NASDAQ:FRAF • US3535251082

52.33 USD
+0.55 (+1.05%)
At close: Feb 25, 2026
52.33 USD
0 (0%)
After Hours: 2/25/2026, 5:47:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FRAF. FRAF was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of FRAF have multiple concerns. While showing a medium growth rate, FRAF is valued expensive at the moment. FRAF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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.
  • FRAF had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.68%, FRAF is doing worse than 68.60% of the companies in the same industry.
  • FRAF has a Return On Equity (9.42%) which is comparable to the rest of the 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 worse Profit Margin (19.37%) than 69.39% 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. Health

2.1 Basic Checks

  • FRAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FRAF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • FRAF has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
  • FRAF's Debt to FCF ratio of 0.44 is amongst the best of the industry. FRAF outperforms 81.27% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FRAF is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.07, FRAF is in the better half of the industry, outperforming 77.04% 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
WACC14.07%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 90.78% over the past year.
  • FRAF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.02% yearly.
  • Looking at the last year, FRAF shows a very strong growth in Revenue. The Revenue has grown by 24.77%.
  • FRAF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.26% yearly.
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.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.04 indicates a reasonable valuation of FRAF.
  • Based on the Price/Earnings ratio, FRAF is valued a bit cheaper than 68.60% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.05. FRAF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.04
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 73.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.37
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)1.1
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • FRAF has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
  • FRAF's Dividend Yield is comparable with the industry average which is at 2.74.
  • FRAF's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.66%

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

5.3 Sustainability

  • 36.86% of the earnings are spent on dividend by FRAF. This is a low number and 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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FRANKLIN FINANCIAL SERVICES

NASDAQ:FRAF (2/25/2026, 5:47:42 PM)

After market: 52.33 0 (0%)

52.33

+0.55 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners35.31%
Inst Owner Change1011.05%
Ins Owners5.2%
Ins Owner Change-2.85%
Market Cap231.82M
Revenue(TTM)88.83M
Net Income(TTM)15.67M
Analysts0
Price TargetN/A
Short Float %2.6%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
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 11.04
Fwd PE N/A
P/S 2.87
P/FCF 9.37
P/OCF 8.91
P/B 1.39
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)4.74
EY9.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.59
FCFY10.67%
OCF(TTM)5.87
OCFY11.22%
SpS18.26
BVpS37.55
TBVpS35.51
PEG (NY)N/A
PEG (5Y)1.1
Graham Number63.28
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
WACC14.07%
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 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 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 FAQ

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

ChartMill assigns a fundamental rating of 3 / 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%.