A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
FRANKLIN FINANCIAL SERVICES CORP /PA/
FRAF
$279M
Mkt Cap
$62.28
-0.84%
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a current P/E ratio of 24.8, compared to its historical median P/E of 9.4. The stock is currently considered Expensive based on its historical valuation range.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a 5-year average return on invested capital (ROIC) of 10.7%. This indicates solid capital allocation.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a market capitalization of $279M. It is classified as a small-cap stock.
Yes, FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) pays a dividend with a trailing twelve-month yield of 2.10%. The company also returns capital through share buybacks, with a buyback yield of 0.40%.
Based on historical P/E analysis, FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) appears expensive. The current P/E of 24.8 is 164% above its historical median of 9.4. The estimated fair value CAGR (P/E method) is 1.3%.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) operates in the State Commercial Banks industry, within the Financials sector.
Franklin Financial Services Corporation (the “Corporation”) was organized as a Pennsylvania business corporation on June 1, 1983 and is a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHCA”). On January 16, 1984, pursuant to a plan of reorganization approved by the shareholders of Farmers and Merchants Trust Company of Chambersburg (“F&M Trust” or “the Bank”) and the appropriate regulatory agencies, the Corporation exchanged all of the shares of F&M Trust and issued its own shares of the Corporation to former F&M Trust shareholders on a one share – for - one share basis. The Corporation’s common stock is listed under the symbol “FRAF” on the Nasdaq Capital Market. The Corporation’s internet address is www.franklinfin.com. Electronic copies of the Corporation’s 2025 Annual Report on Form 10-K are available free of charge by visiting the “Investor Information” section of www.franklinfin.com.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 134M | 134M | 115M | 92M | 72M | 67M |
| Net Income | 21M | 21M | 11M | 14M | 15M | 20M |
| EPS | $4.74 | $4.74 | $2.51 | $3.10 | $3.36 | $4.42 |
| Free Cash Flow | 25M | 25M | 19M | 26M | 13M | 18M |
| ROIC | 36.1% | 13.2% | 8.0% | 10.2% | 10.2% | 12.2% |
| Gross Margin | 71.9% | 71.9% | 71.4% | 76.5% | 92.3% | 92.5% |
| Debt/Equity | 0.06 | 0.06 | 0.10 | 0.18 | 0.79 | 2.62 |
| Dividends/Share | $1.31 | $1.31 | $1.28 | $1.28 | $1.28 | $1.25 |
| Operating Income | 26M | 26M | 13M | 16M | 17M | 23M |
| Operating Margin | 19.7% | 19.7% | 11.6% | 17.2% | 24.4% | 34.3% |
| ROE | 12.1% | 13.3% | 8.0% | 11.0% | 11.0% | 13.0% |
| Shares Outstanding | 4M | 4M | 4M | 4M | 4M | 4M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 46M | 47M | 49M | 52M | 57M | 65M | 61M | 67M | 72M | 92M | 115M | 134M | 134M |
| Gross Margin | 91.4% | 92.3% | 87.6% | 93.9% | 75.4% | 88.6% | 85.9% | 92.5% | 92.3% | 76.5% | 71.4% | 71.9% | 71.9% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 17M | 17M | 18M | 19M | 20M | 22M | 22M | 25M | 28M | 29M | 33M | 35M | 35M |
| EBIT | 10M | 12M | 9.4M | 221K | 6.0M | 19M | 13M | 23M | 17M | 16M | 13M | 26M | 26M |
| Op. Margin | 22.7% | 26.4% | 19.3% | 0.4% | 10.4% | 29.4% | 21.4% | 34.3% | 24.4% | 17.2% | 11.6% | 19.7% | 19.7% |
| Net Income | 8.4M | 10M | 8.1M | 2.2M | 6.1M | 16M | 13M | 20M | 15M | 14M | 11M | 21M | 21M |
| Net Margin | 18.3% | 21.6% | 16.6% | 4.2% | 10.7% | 24.9% | 21.0% | 29.3% | 20.8% | 14.8% | 9.6% | 15.9% | 15.9% |
| Non-Recurring | 323K | 92K | 38K | -26K | -5K | 597K | 0 | 1.8M | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 8.4% | 9.5% | 7.1% | 1.9% | 5.2% | 13.1% | 8.8% | 12.2% | 10.2% | 10.2% | 8.0% | 13.2% | 36.1% |
| ROE | 8.4% | 9.5% | 7.1% | 1.9% | 5.2% | 13.1% | 9.4% | 13.0% | 11.0% | 11.0% | 8.0% | 13.3% | 12.1% |
| ROA | 0.8% | 1.0% | 0.7% | 0.2% | 0.5% | 1.3% | 0.9% | 1.2% | 0.9% | 0.8% | 0.6% | 1.0% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 14M | 13M | 15M | 16M | 9.3M | 19M | 6.4M | 26M | 25M | 27M | 22M | 25M | 25M |
| Free Cash Flow | 14M | 12M | 14M | 15M | 8.1M | 17M | 6.0M | 18M | 13M | 26M | 19M | 25M | 25M |
| Owner Earnings | 12M | 12M | 13M | 15M | 7.8M | 18M | 4.9M | 25M | 23M | 24M | 19M | 22M | 22M |
| CapEx | 345K | 1.0M | 579K | 1.1M | 1.2M | 1.7M | 484K | 8.8M | 12M | 499K | 2.6M | 866K | 866K |
| Maint. CapEx | 1.9M | 1.4M | 1.3M | 1.3M | 1.3M | 1.4M | 1.3M | 1.2M | 1.4M | 2.0M | 2.1M | 2.1M | 2.1M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 284K | 0 | 7.6M | 11M | 0 | 477K | 0 | 0 |
| D&A | 1.9M | 1.4M | 1.3M | 1.3M | 1.3M | 1.4M | 1.3M | 1.2M | 1.4M | 2.0M | 2.1M | 2.1M | 2.1M |
| CapEx/OCF | 2.4% | 7.8% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.8M | 3.1M | 3.5M | 4.0M | 4.6M | 5.1M | 5.2M | 5.5M | 5.7M | 5.6M | 5.6M | 5.8M | 5.8M |
| Dividend Yield | 5.3% | 4.6% | 4.9% | 3.9% | 4.0% | 4.2% | 5.5% | 4.8% | 4.6% | 4.7% | 4.6% | N/A | 2.1% |
| Share Buybacks | 0 | 0 | 795K | 0 | 88K | 3.8M | 1.2M | 1.2M | 3.3M | 2.4M | 827K | 1.1M | 1.1M |
| Buyback Yield | N/A | N/A | 0.9% | N/A | 0.1% | 2.9% | 1.1% | 1.0% | 2.5% | 1.9% | 0.6% | 0.0% | 0.4% |
| Stock-Based Comp | 0 | 74K | 88K | 161K | 185K | 0 | 197K | 204K | 462K | 483K | 634K | 819K | 819K |
| Debt Repayment | 0 | 0 | 24M | 24M | 0 | 0 | 0 | 0 | 0 | 130M | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -219M | -198M | -156M | -186M | -184M | -218M | -420M | -293M | -461M | -472M | -698M | -571M | -116M |
| Cash & Equiv. | 49M | 39M | 37M | 59M | 53M | 31M | 57M | 175M | 65M | 23M | 204M | 128M | 128M |
| Long-Term Debt | 424K | N/A | N/A | N/A | N/A | N/A | 20M | 20M | 20M | 20M | 1.1M | 1.3M | 1.3M |
| Debt/Equity | 0.00 | 0.00 | 0.21 | 0.00 | 0.00 | 0.00 | 0.24 | 2.62 | 0.79 | 0.18 | 0.10 | 0.06 | 0.06 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.6 |
| Equity | 104M | 111M | 116M | 115M | 118M | 128M | 145M | 157M | 114M | 132M | 145M | 175M | 175M |
| Total Assets | 1.0B | 1.0B | 1.1B | 1.2B | 1.2B | 1.3B | 1.5B | 1.8B | 1.7B | 1.8B | 2.2B | 2.2B | 2.2B |
| Total Liabilities | 898M | 924M | 1.0B | 1.1B | 1.1B | 1.1B | 1.4B | 1.6B | 1.6B | 1.7B | 2.1B | 2.1B | 2.1B |
| Intangibles | 181K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 71M | 79M | 83M | 82M | 84M | 95M | 103M | 117M | 126M | 134M | 139M | 155M | 155M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.00 | 2.40 | 1.88 | 0.50 | 1.39 | 3.67 | 2.93 | 4.42 | 3.36 | 3.10 | 2.51 | 4.74 | 4.74 |
| Owner EPS | 2.97 | 2.77 | 3.12 | 3.39 | 1.77 | 4.01 | 1.12 | 5.62 | 5.25 | 5.49 | 4.30 | 5.02 | 5.02 |
| Book Value | 24.64 | 26.20 | 27.08 | 26.46 | 26.87 | 29.04 | 33.23 | 35.39 | 25.69 | 30.12 | 32.73 | 39.13 | 39.13 |
| Cash Flow/Share | 3.42 | 3.13 | 3.45 | 3.73 | 2.11 | 4.32 | 1.47 | 5.94 | 5.68 | 6.06 | 4.92 | 5.68 | 5.22 |
| Dividends/Share | 0.68 | 0.74 | 0.82 | 0.93 | 1.05 | 1.17 | 1.20 | 1.25 | 1.28 | 1.28 | 1.28 | 1.31 | 1.31 |
| Shares Out. | 4.2M | 4.3M | 4.3M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.5M | 4.5M |
| Valuation | |||||||||||||
| P/E Ratio | 7.2 | 6.7 | 10.9 | 55.0 | 17.1 | 8.3 | 8.1 | 6.4 | 9.0 | 9.4 | 11.6 | N/A | 13.1 |
| P/FCF | 4.3 | 5.6 | 6.2 | 7.9 | 12.9 | 7.7 | 17.5 | 7.1 | 10.3 | 4.9 | 6.7 | N/A | 11.3 |
| EV/EBIT | N/A | N/A | 6.5 | N/A | N/A | N/A | 3.9 | -1.2 | 4.0 | N/A | N/A | N/A | 6.2 |
| Price/Book | 0.6 | 0.6 | 0.8 | 1.0 | 0.9 | 1.0 | 0.7 | 0.8 | 1.2 | 1.0 | 0.9 | N/A | 1.6 |
| Price/Sales | 1.3 | 1.5 | 1.6 | 2.1 | 2.2 | 2.1 | 1.7 | 1.8 | 1.9 | 1.8 | 1.7 | N/A | 2.1 |
| FCF Yield | 23.1% | 17.9% | 16.2% | 12.7% | 7.8% | 13.0% | 5.7% | 14.0% | 9.7% | 20.4% | 14.9% | N/A | 8.8% |
| Market Cap | 61M | 69M | 88M | 120M | 105M | 133M | 104M | 125M | 134M | 128M | 128M | 0 | 279M |
| Avg. Price | 12.89 | 16.03 | 16.72 | 23.78 | 26.01 | 27.87 | 21.75 | 25.94 | 27.86 | 27.37 | 27.91 | 0.00 | 62.28 |
| Year-End Price | 14.46 | 16.13 | 20.50 | 27.48 | 23.80 | 30.28 | 23.86 | 28.25 | 30.23 | 29.14 | 29.03 | 0.00 | 62.28 |
FRANKLIN FINANCIAL SERVICES CORP /PA/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
FRANKLIN FINANCIAL SERVICES CORP /PA/ trades at 24.8x trailing earnings, compared to its 15-year median P/E of 9.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.7x vs a median of 7.7x. The company's 5-year average ROIC is 10.7% with a gross margin of 80.9%. Total shareholder yield (dividends + buybacks) is 2.5%. At current prices, the estimated annualized return to fair value is +13.6%.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) reported annual revenue of $134 million in its most recent fiscal year, based on SEC EDGAR filings.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a net profit margin of 15.9%. This is a healthy margin.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) generated $25 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a debt-to-equity ratio of 0.06. This indicates a conservatively financed balance sheet.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) reported earnings per share (EPS) of $4.74 in its most recent fiscal year.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a return on equity (ROE) of 13.3%. This indicates moderate shareholder returns.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a 5-year average gross margin of 80.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) has a book value per share of $39.13, based on its most recent annual SEC filing.
No recent press releases.