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Franklin Financial Services Corp.

FRAF Financial Banks Regional

Franklin Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $133.5 million, up 16.0% from fiscal 2024.

Revenue
+1.12%
EPS
+11.4%
Free cash flow
+21.0%
Total debt
0.00%

Quarter to June 2026, against a year earlier

69.21 0.00 0.00%
Market cap
$313.1M
P/E
12.8×
Fwd P/E
12.2×
Dividend yield
2.40%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Sold, $m 0.16
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 1 1 1 — 1 1 — — —
Sell 1 — — — — 1 — — — — — —
Insider Ownership 7.19%

Capital & Financial Ratios $m

Size
Market Cap 313.05
Revenue ttm 135.43
Net income ttm 24.65
Free cash flow ttm 41.85
Net debt Q (4.77)
Valuation
P/E 12.76
Forward P/E 12.20
Price / sales 2.32
Forward P/S Powerpack
Price / FCF 7.52
Price / book 1.71
Financial health
Current ratio Q 0.93
Debt / equity Q 1.09
Interest coverage Q —
Growth
Revenue growth Q +1.12% (above 0%: growing)
Operating income growth Q +12.72% (above 0%: growing)
EPS, this year +32.80% (at or above 15%: strong)
EPS, next year A +11.40%
Revenue, next year A −26.02% (below 0%: weak)
EPS, past 5 yrs +10.10%
EPS, next 5 yrs A +15.72% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 71.37%
10-year low 10-year high
P/S against its own 10 years 69.12%
10-year low 10-year high
P/B against its own 10 years 99.82%
10-year low 10-year high

Dividends raised 2 years running

Yield
2.40%
Annual rate
1.68
Payout ratio
30.6%
Growth, 2018–26
+3.19%/yr
  1. 1.05 ’18
  2. 1.17 ’19 +11
  3. 1.20 ’20 +3
  4. 1.25 ’21 +4
  5. 1.28 ’22 +2
  6. 1.28 ’23 +0
  7. 1.28 ’24 +0
  8. 1.31 ’25 +2
  9. 1.35 ’26 +3
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 32 214 138 205
Receivables — — — —
Inventory — — — —
Other — — — —
1,273 1,597 1,697 1,796
2023 2024 2025 Q'26
Payables 1,538 1,816 1,836 1,925
ST’ Debt — — — —
Other — — — —
1,558 1,835 1,847 1,935

Compound Annual Growth %

10y 5y 3y
Sales 10.94% 16.96% 23.04%
Cash Flow 6.71% 31.64% 0.26%
Earnings 7.60% 10.64% 12.42%
Book Value 4.64% 3.84% 15.34%

EPS $

Mar Jun Sep Dec Year
’26 1.48 1.47 — — —
’25 0.88 1.32 1.19 1.35 4.74
’24 0.77 0.66 0.95 0.11 2.51
’23 0.75 0.68 0.88 0.79 3.10
’22 0.67 0.80 1.05 0.84 3.36
’21 1.09 1.19 1.31 0.82 4.42
’20 0.39 0.71 0.79 1.04 2.93
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 33 34 — — —
’25 32 34 34 34 134
’24 28 29 31 27 115
’23 20 22 24 26 92
’22 15 17 19 21 72
’21 16 16 18 17 67
’20 16 15 15 16 61
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 24 7 — — —
’25 9 5 8 3 25
’24 7 2 8 4 22
’23 8 6 7 6 27
’22 4 5 8 7 25
’21 10 2 12 2 26
’20 2 0 0 4 6
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 25 6 — — —
’25 9 5 8 3 25
’24 6 2 7 4 19
’23 8 6 7 6 26
’22 0 1 6 6 13
’21 10 2 5 4 21
’20 2 0 0 4 6
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 49 52 57 65 61 67 72 92 115 134 135 +11.9% 99 105 99 (9.6%)
Gross margin, % 95.38 95.22 92.67 89.00 93.48 95.67 93.22 74.76 61.84 66.51 69.92 (28.9) pt
EBT 9 6 6 19 13 23 17 16 13 26 31 +12.1%
EBT margin, % 19.33 11.02 10.37 29.38 21.40 34.32 24.40 17.20 11.57 19.67 22.66 +0.3 pt
Net income 8 2 6 16 13 20 15 14 11 21 25 +11.3%
Per share, $
Per share, $ Revenue 11.31 12.01 13.12 14.78 14.01 15.17 16.22 20.94 26.15 29.92 30.14 +11.4%
Earnings 1.88 0.50 1.39 3.67 2.93 4.42 3.36 3.10 2.51 4.74 5.49 +10.8%
Cash flow 3.46 3.75 2.12 4.34 1.48 5.96 5.71 6.07 4.94 5.70 9.41 +5.7%
Capex (0.13) (0.26) (0.24) (0.38) (0.11) (1.25) (2.76) (0.11) (0.58) (0.19) (0.09) +4.1%
Free cash flow 3.32 3.49 1.88 3.96 1.37 4.72 2.95 5.96 4.36 5.51 9.31 +5.8%
Book value 27.11 26.55 27.02 29.15 33.32 35.54 25.83 30.21 32.87 39.27 40.92 +4.2%
Shares, m 4 4 4 4 4 4 4 4 4 4 4 +0.4%
Valuation, ×
Valuation, × P/E 15.32 75.96 22.66 10.54 9.23 7.51 10.62 10.04 12.01 10.59 12.76 18.4
P/S 2.55 3.16 2.40 2.62 1.93 2.18 2.20 1.49 1.14 1.68 2.32 2.1
P/B 1.06 1.43 1.17 1.33 0.81 0.93 1.38 1.03 0.91 1.28 1.71 1.1
EV/Sales 2.00 2.26 1.68 1.26 1.17 (0.24) 1.44 2.56 1.02 2.14 — 1.5
EV/FCF 6.82 7.78 11.70 4.69 12.00 (0.76) 7.93 8.99 6.14 11.65 — 7.7
Cash, $m
Cash, $m Operating cash flow 15 16 9 19 6 26 25 27 22 25 42 +6.2%
Capex (1) (1) (1) (2) 0 (6) (12) 0 (3) (1) 0 +4.6%
Free cash flow 14 15 8 17 6 21 13 26 19 25 42 +6.2%
Balance, $m
Balance, $m Working capital (85) (56) (68) (108) (301) (431) (454) (285) (239) (149) (139) +6.5%
Net debt (38) (59) (53) (88) (46) (162) (55) 98 (14) 62 (5) n/m
Shareholders’ equity 116 115 118 128 145 157 114 132 145 175 184 +4.6%
Returns, %
Returns, % ROA 0.75 0.19 0.51 1.30 0.91 1.19 0.86 0.77 0.55 0.96 1.07 +0.2 pt
ROIC 7.52 6.40 5.73 30.06 8.26 0.00 18.32 4.27 6.36 6.91 10.71 (0.6) pt
ROE 7.10 1.88 5.25 13.11 9.39 12.98 11.01 11.04 8.02 13.27 14.45 +6.2 pt
People
People Employees 247 255 255 283 282 280 298 306 — — — +3.1%
Revenue/emp, $m 0.20 0.20 0.23 0.23 0.22 0.24 0.24 0.30 0.00 0.00 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Franklin Financial Services Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
COSO CoastalSouth Bancshares, Inc. $331.6M 12.3× 11.6× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $329.7M 12.2× 9.8× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $323.2M 13.2× 11.8× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
FRAF Franklin Financial Services Corp. $313.1M 12.8× 12.2× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00%
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
ATLO Ames National Corporation $301.5M 13.1× 11.8× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
MYFW First Western Financial, Inc. $300.4M 14.1× 12.9× +0.29% (above 0%: growing) +84.85% (above 0%: growing) −26.07% (below 0%: shrinking) 57.81% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
Median of peers $307.4M 12.3× 11.2× +8.85% +25.25% +2.53% 72.84% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 24 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 762.40k 738.62k 102.17
2023 766.22k 725.36k 103.53

Ownership

Directors and executive officers, together 5.93%
Vanguard Group Inc. * 5.22%
BlackRock Inc * 5.14%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Franklin Financial Services Corp. (FRAF) Latest News

29 Oct

Impact 3 · · Zacks

29 Apr

Impact 4 · · Zacks

23 Apr

Impact 3 · · PR Newswire

12 Feb

Impact 4 · · Simply Wall St.

11 Feb

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6 Feb

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5 Feb

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1 Feb

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30 Jan

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29 Jan

Impact 4 · · ZacksZacksZacksZacksZacksMarketBeatGuruFocus.comZacks
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28 Jan

Impact 4 ·
Impact 3 · · Simply Wall St.

27 Jan

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 3 · · PR Newswire

26 Jan

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

22 Jan

Impact 4 ·
Impact 3 · · Simply Wall St.

20 Jan

Impact 4 · · Simply Wall St.
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19 Jan

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15 Jan

Impact 4 · · Simply Wall St.
stockrow.com/FRAF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com