Franklin Financial Services Corporation (FRAF)

FRAF Statistics

Total Valuation

FRAF has a market cap or net worth of $239.79 million. The enterprise value is $430.70 million.

Market Cap	239.79M
Enterprise Value	430.70M

Important Dates

The next estimated earnings date is Wednesday, January 28, 2026, after market close.

Earnings Date	Jan 28, 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 (%)	27.70%
Float	3.85M

Valuation Ratios

The trailing PE ratio is 15.41.

PE Ratio	15.41
Forward PE	n/a
PS Ratio	3.09
Forward PS	n/a
PB Ratio	1.45
P/TBV Ratio	1.54
P/FCF Ratio	9.61
P/OCF Ratio	9.16
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	27.49
EV / Sales	5.54
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	17.08

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 +81.27% 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	+81.27%
50-Day Moving Average	51.40
200-Day Moving Average	43.55
Relative Strength Index (RSI)	58.28
Average Volume (20 Days)	80,567

Short Selling Information

The latest short interest is 64,511, so 1.44% of the outstanding shares have been sold short.

Short Interest	64,511
Short Previous Month	47,083
Short % of Shares Out	1.44%
Short % of Float	1.68%
Short Ratio (days to cover)	1.18

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 2.45%.

Dividend Per Share	$1.32
Dividend Yield	2.45%
Dividend Growth (YoY)	2.34%
Years of Dividend Growth	1
Payout Ratio	37.41%
Buyback Yield	-1.81%
Shareholder Yield	0.64%
Earnings Yield	6.46%
FCF Yield	10.40%

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