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Friday 6 November 2026
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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
69.95
0.74
+1.07%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.32 | 75.96 | 22.66 | 10.54 | 9.23 | 7.51 | 10.62 | 10.04 | 12.01 | 10.59 |
Piotroski F-Score |
6 | 6 | 6 | 6 | 4 | 6 | 5 | 6 | 5 | 8 |
P/S ratio |
2.55 | 3.16 | 2.40 | 2.62 | 1.93 | 2.18 | 2.20 | 1.49 | 1.14 | 1.68 |
P/FCF ratio |
8.67 | 10.88 | 16.72 | 9.78 | 19.79 | 7.02 | 12.11 | 5.22 | 6.86 | 9.12 |
P/Operating CF |
24.20 | 62.97 | 18.84 | 38.47 | 29.01 | 59.02 | 21.04 | 22.98 | 31.20 | 70.34 |
P/B ratio |
1.06 | 1.43 | 1.17 | 1.33 | 0.81 | 0.93 | 1.38 | 1.03 | 0.91 | 1.28 |
Price to Tangible BV |
1.15 | 1.55 | 1.26 | 1.43 | 0.86 | 0.99 | 1.50 | 1.11 | 0.97 | 1.35 |
EV/Sales |
2.00 | 2.26 | 1.68 | 1.26 | 1.17 | (0.24) | 1.44 | 2.56 | 1.02 | 2.14 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.55 | 7.24 | 10.39 | 4.28 | 11.10 | (0.60) | 4.09 | 8.82 | 5.41 | 11.26 |
EV/FCF |
6.82 | 7.78 | 11.70 | 4.69 | 12.00 | (0.76) | 7.93 | 8.99 | 6.14 | 11.65 |
Quick Ratio |
0.04 | 0.06 | 0.05 | 0.08 | 0.05 | 0.12 | 0.05 | 0.02 | 0.12 | 0.07 |
Current Ratio |
0.92 | 0.95 | 0.94 | 0.90 | 0.78 | 0.73 | 0.71 | 0.82 | 0.87 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.39% | 1.56% | 1.35% | 1.47% | 7.08% | 9.10% | 8.93% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.04 | 0.17 | 0.15 | 0.22 | 0.98 | 1.38 | 1.14 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.84 | 7.47 | 1.52 | 1.18 | 0.50 | 1.34 | 1.69 | 1.95 | 1.96 | 1.20 |
Capex/Depreciation |
(0.19) | (0.36) | (0.34) | (0.63) | (0.10) | (2.32) | (2.16) | (0.11) | (0.50) | (0.34) |
| 7.10% | 1.88% | 5.25% | 13.11% | 9.39% | 12.98% | 11.01% | 11.04% | 8.02% | 13.27% | |
| 0.75% | 0.19% | 0.51% | 1.30% | 0.91% | 1.19% | 0.86% | 0.77% | 0.55% | 0.96% | |
ROIC |
7.52% | 6.40% | 5.73% | 30.06% | 8.26% | 0.00% | 18.32% | 4.27% | 6.36% | 6.91% |
Return on Tangible Assets |
(11.46%) | (5.18%) | (11.21%) | (17.17%) | (4.44%) | (4.76%) | (3.52%) | (5.31%) | (5.30%) | (17.35%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
76.05% | 84.19% | 82.31% | 59.62% | 72.08% | 61.35% | 68.82% | 57.56% | 50.27% | 46.84% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.18% | 0.31% | 0.32% | 0.00% | 0.32% | 0.30% | 0.64% | 0.53% | 0.55% | 0.61% |
Graham Net Nets |
(0.72) | (0.44) | (0.56) | (0.73) | (2.69) | (3.03) | (2.97) | (3.17) | (3.47) | (1.64) |
Graham Number |
33.86 | 17.28 | 29.07 | 49.06 | 46.87 | 59.38 | 44.19 | 45.90 | 42.91 | 64.71 |
Earnings Yield |
6.53% | 1.32% | 4.41% | 9.49% | 10.84% | 13.32% | 9.41% | 9.96% | 8.33% | 9.44% |
Free Cash Flow Yield |
11.54% | 9.19% | 5.98% | 10.23% | 5.05% | 14.25% | 8.26% | 19.15% | 14.58% | 10.97% |
Revenue per Share |
11.31 | 12.01 | 13.12 | 14.78 | 14.01 | 15.17 | 16.22 | 20.94 | 26.15 | 29.92 |
Operating CF per Share |
3.46 | 3.75 | 2.12 | 4.34 | 1.48 | 5.96 | 5.71 | 6.07 | 4.94 | 5.70 |
Capex per Share |
(0.13) | (0.26) | (0.24) | (0.38) | (0.11) | (1.25) | (2.76) | (0.11) | (0.58) | (0.19) |
Free Cash Flow per Share |
3.32 | 3.49 | 1.88 | 3.96 | 1.37 | 4.72 | 2.95 | 5.96 | 4.36 | 5.51 |
Cash per Share |
8.94 | 13.62 | 12.19 | 21.27 | 16.15 | 42.11 | 17.99 | 7.26 | 48.58 | 30.84 |
Shareholders Equity per Share |
27.11 | 26.55 | 27.02 | 29.15 | 33.32 | 35.54 | 25.83 | 30.21 | 32.87 | 39.27 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.11 | 26.55 | 27.02 | 29.15 | 33.32 | 35.54 | 25.83 | 30.21 | 32.87 | 39.27 |
Free Cash Flow |
14.28 | 15.13 | 8.26 | 17.31 | 5.95 | 20.84 | 13.03 | 26.07 | 19.19 | 24.58 |
Working Capital |
(84.62) | (55.77) | (68.14) | (107.70) | (301.41) | (431.24) | (454.40) | (284.75) | (238.56) | (149.49) |
Capital Expenditures |
(0.58) | (1.12) | (1.04) | (1.65) | (0.48) | (5.51) | (12.22) | (0.50) | (2.57) | (0.87) |
Net Current Asset Value |
(89.18) | (73.26) | (76.70) | (123.94) | (317.15) | (444.03) | (468.71) | (431.01) | (456.34) | (366.65) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.03 | 0.01 | 0.08 | 0.17 | 0.01 | 0.02 | 0.01 |
Price to Operating Income |
13.18 | 28.69 | 23.16 | 8.91 | 9.02 | 6.36 | 8.70 | 8.64 | 9.89 | 8.53 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.23 | 0.22 | 0.19 | 0.37 | 0.12 | 0.19 | 0.16 | 0.18 | 0.09 |
Cash ROIC |
9.22% | 8.69% | 4.81% | 7.67% | 2.48% | 5.68% | 5.96% | 8.87% | 3.43% | 4.79% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
159,676.53 | 153,440.81 | 93,773.04 | 57,748.92 | 124,288.37 | 199,273.27 | 116,446.33 | 24,275.11 | 15,083.21 | 14,981.71 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
950.32 | 1,014.65 | 1,064.91 | 1,104.01 | 1,239.98 | 1,469.47 | 1,567.90 | 1,544.71 | 1,676.81 | 1,825.71 |
Average Assets |
1,081.37 | 1,153.63 | 1,194.70 | 1,239.37 | 1,402.10 | 1,654.42 | 1,736.69 | 1,767.81 | 2,016.94 | 2,218.43 |
Average Common Equity |
113.93 | 115.82 | 116.77 | 122.96 | 136.35 | 151.12 | 135.63 | 123.17 | 138.43 | 159.98 |
Columns are period end dates