Franklin Financial Services Corporation (FRAF)

FRAF Statistics

Total Valuation

FRAF has a market cap or net worth of $212.46 million. The enterprise value is $399.65 million.

Market Cap	212.46M
Enterprise Value	399.65M

Important Dates

The next estimated earnings date is Tuesday, October 21, 2025, after market close.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Aug 1, 2025

Share Statistics

FRAF has 4.48 million shares outstanding. The number of shares has decreased by -0.19% in one year.

Current Share Class	4.48M
Shares Outstanding	4.48M
Shares Change (YoY)	-0.19%
Shares Change (QoQ)	+0.45%
Owned by Insiders (%)	6.90%
Owned by Institutions (%)	26.06%
Float	3.79M

Valuation Ratios

The trailing PE ratio is 14.43.

PE Ratio	14.43
Forward PE	n/a
PS Ratio	2.78
Forward PS	n/a
PB Ratio	1.35
P/TBV Ratio	1.43
P/FCF Ratio	8.70
P/OCF Ratio	8.18
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	27.50
EV / Sales	5.33
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.36

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	9.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.88%.

Return on Equity (ROE)	9.88%
Return on Assets (ROA)	0.67%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$245,092
Profits Per Employee	$47,497
Employee Count	306
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FRAF has paid $3.25 million in taxes.

Income Tax	3.25M
Effective Tax Rate	18.26%

Stock Price Statistics

The stock price has increased by +48.27% in the last 52 weeks. The beta is 0.19, so FRAF's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+48.27%
50-Day Moving Average	42.48
200-Day Moving Average	37.17
Relative Strength Index (RSI)	74.51
Average Volume (20 Days)	16,583

Short Selling Information

The latest short interest is 84,549, so 1.89% of the outstanding shares have been sold short.

Short Interest	84,549
Short Previous Month	94,022
Short % of Shares Out	1.89%
Short % of Float	2.23%
Short Ratio (days to cover)	4.20

Income Statement

In the last 12 months, FRAF had revenue of $75.00 million and earned $14.53 million in profits. Earnings per share was $3.29.

Revenue	75.00M
Gross Profit	75.00M
Operating Income	19.71M
Pretax Income	16.36M
Net Income	14.53M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.29

Balance Sheet

The company has $36.86 million in cash and $224.05 million in debt, giving a net cash position of -$187.19 million or -$41.81 per share.

Cash & Cash Equivalents	36.86M
Total Debt	224.05M
Net Cash	-187.19M
Net Cash Per Share	-$41.81
Equity (Book Value)	157.36M
Book Value Per Share	35.22
Working Capital	-1.68B

Cash Flow

In the last 12 months, operating cash flow was $25.98 million and capital expenditures -$1.55 million, giving a free cash flow of $24.43 million.

Operating Cash Flow	25.98M
Capital Expenditures	-1.55M
Free Cash Flow	24.43M
FCF Per Share	$5.46

Margins

Gross Margin	n/a
Operating Margin	26.29%
Pretax Margin	23.71%
Profit Margin	19.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.57%

Dividends & Yields

This stock pays an annual dividend of $1.32, which amounts to a dividend yield of 2.78%.

Dividend Per Share	$1.32
Dividend Yield	2.78%
Dividend Growth (YoY)	1.56%
Years of Dividend Growth	n/a
Payout Ratio	39.53%
Buyback Yield	0.19%
Shareholder Yield	2.98%
Earnings Yield	6.84%
FCF Yield	11.50%

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