Franklin Financial Services Corporation (FRAF)

FRAF Statistics

Total Valuation

FRAF has a market cap or net worth of $220.55 million. The enterprise value is $408.84 million.

Market Cap	220.55M
Enterprise Value	408.84M

Important Dates

The next estimated earnings date is Tuesday, January 27, 2026, after market close.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Nov 7, 2025

Share Statistics

FRAF has 4.48 million shares outstanding. The number of shares has increased by 1.81% in one year.

Current Share Class	4.48M
Shares Outstanding	4.48M
Shares Change (YoY)	+1.81%
Shares Change (QoQ)	+0.60%
Owned by Insiders (%)	6.72%
Owned by Institutions (%)	27.69%
Float	3.85M

Valuation Ratios

The trailing PE ratio is 14.32.

PE Ratio	14.32
Forward PE	n/a
PS Ratio	2.87
Forward PS	n/a
PB Ratio	1.35
P/TBV Ratio	1.40
P/FCF Ratio	8.75
P/OCF Ratio	8.33
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	26.09
EV / Sales	5.26
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.22

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	8.54
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.91%.

Return on Equity (ROE)	9.91%
Return on Assets (ROA)	0.70%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$254,193
Profits Per Employee	$51,209
Employee Count	306
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FRAF has paid $3.67 million in taxes.

Income Tax	3.67M
Effective Tax Rate	18.96%

Stock Price Statistics

The stock price has increased by +69.38% in the last 52 weeks. The beta is -0.08, so FRAF's price volatility has been lower than the market average.

Beta (5Y)	-0.08
52-Week Price Change	+69.38%
50-Day Moving Average	50.59
200-Day Moving Average	42.99
Relative Strength Index (RSI)	37.90
Average Volume (20 Days)	66,045

Short Selling Information

The latest short interest is 47,083, so 1.05% of the outstanding shares have been sold short.

Short Interest	47,083
Short Previous Month	47,087
Short % of Shares Out	1.05%
Short % of Float	1.22%
Short Ratio (days to cover)	1.00

Income Statement

In the last 12 months, FRAF had revenue of $77.78 million and earned $15.67 million in profits. Earnings per share was $3.50.

Revenue	77.78M
Gross Profit	77.78M
Operating Income	21.21M
Pretax Income	19.34M
Net Income	15.67M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.50

Balance Sheet

The company has $26.94 million in cash and $215.24 million in debt, with a net cash position of -$188.30 million or -$42.04 per share.

Cash & Cash Equivalents	26.94M
Total Debt	215.24M
Net Cash	-188.30M
Net Cash Per Share	-$42.04
Equity (Book Value)	166.34M
Book Value Per Share	37.15
Working Capital	-1.71B

Cash Flow

In the last 12 months, operating cash flow was $26.48 million and capital expenditures -$1.27 million, giving a free cash flow of $25.21 million.

Operating Cash Flow	26.48M
Capital Expenditures	-1.27M
Free Cash Flow	25.21M
FCF Per Share	$5.63

Margins

Gross Margin	n/a
Operating Margin	27.27%
Pretax Margin	24.86%
Profit Margin	20.15%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.41%

Dividends & Yields

This stock pays an annual dividend of $1.32, which amounts to a dividend yield of 2.68%.

Dividend Per Share	$1.32
Dividend Yield	2.68%
Dividend Growth (YoY)	2.34%
Years of Dividend Growth	1
Payout Ratio	37.41%
Buyback Yield	-1.81%
Shareholder Yield	0.88%
Earnings Yield	7.11%
FCF Yield	11.43%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 29, 2004. It was a forward split with a ratio of 1.25:1.

Last Split Date	Jun 29, 2004
Split Type	Forward
Split Ratio	1.25:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4