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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. In the quarter to June 2026, revenue grew 1.12%, EPS grew 11.4%, free cash flow grew 21.0% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

62.75 0.06 −0.10%
Market cap
$282.6M
P/E
11.4×
Fwd P/E
10.0×
Dividend yield
2.14%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13
Total sells 0.16
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — 2 1 1 1 — 1 1 — —
Sell — 1 — — — — 1 — — — — —
Insider Ownership 7.19%

Capital & Financial Ratios $m

Market Cap 282.62
Revenue 135.43
Net Income 24.65
Free Cash Flow 41.85
Net Debt (4.77)
Current Ratio 0.93
Debt/Equity 1.09
P/E ratio 11.43
Fwd P/E 9.97
P/S ratio 2.08
P/B ratio 1.53
Past 5Y EPS Growth 10.10%
This Y EPS Growth 22.19% (at or above 15%: strong)
Next Y EPS Growth 13.76%
Next Y revenue growth (26.02%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 66.11%
10-year low 10-year high
P/S against its own 10 years 48.91%
10-year low 10-year high
P/B against its own 10 years 98.08%
10-year low 10-year high

Dividends

Payout Ratio 0.24
Annual Dividend Rate 1.34
Annual Dividend Yield 2.14%
total individual payouts
2027 Powerpack
2026 1.32
0.33
0.34
0.34
2025 1.31
0.32
0.33
0.33
0.33
2024 1.28
0.32
0.32
0.32
0.32
2023 1.28
0.32
0.32
0.32
0.32
2022 1.28
0.32
0.32
0.32
0.32
2021 1.25
0.30
0.31
0.32
0.32
2020 1.20
0.30
0.30
0.30
0.30
2019 1.17
0.27
0.30
0.30
0.30
2018 1.05
0.24
0.27
0.27
0.27
2017 0.93
0.21
0.24
0.24
0.24
2016 0.82
0.19
0.21
0.21
0.21
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 20.11 28.60 29.26 26.83 19.60 25.93 28.05 23.96 25.11 28.01

Analyst estimates 2026–2028

Powerpack
High 29.00 38.50 37.98 39.56 38.99 34.90 36.55 36.50 34.15 59.95
People
People Employees 247 255 255 283 282 280 298 306 — —
Revenue/emp, $m 0.20 0.20 0.23 0.23 0.22 0.24 0.24 0.30 0.00 0.00
Income, $m
Income, $m Revenue 49 52 57 65 61 67 72 92 115 134
Gross margin, % 95.38 95.22 92.67 89.00 93.48 95.67 93.22 74.76 61.84 66.51
EBT 9 6 6 19 13 23 17 16 13 26
EBT margin, % 19.33 11.02 10.37 29.38 21.40 34.32 24.40 17.20 11.57 19.67
Net income 8 2 6 16 13 20 15 14 11 21
Depreciation 3 3 3 3 5 2 6 5 5 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
Earnings 1.88 0.50 1.39 3.67 2.93 4.42 3.36 3.10 2.51 4.74
Cash flow 3.46 3.75 2.12 4.34 1.48 5.96 5.71 6.07 4.94 5.70
Capex (0.13) (0.26) (0.24) (0.38) (0.11) (1.25) (2.76) (0.11) (0.58) (0.19)
Free cash flow 3.32 3.49 1.88 3.96 1.37 4.72 2.95 5.96 4.36 5.51
Book value 27.11 26.55 27.02 29.15 33.32 35.54 25.83 30.21 32.87 39.27
Shares, m 4 4 4 4 4 4 4 4 4 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
P/S 2.55 3.16 2.40 2.62 1.93 2.18 2.20 1.49 1.14 1.68
P/B 1.06 1.43 1.17 1.33 0.81 0.93 1.38 1.03 0.91 1.28
EV/Sales 2.00 2.26 1.68 1.26 1.17 (0.24) 1.44 2.56 1.02 2.14
EV/FCF 6.82 7.78 11.70 4.69 12.00 (0.76) 7.93 8.99 6.14 11.65
Cash, $m
Cash, $m Operating cash flow 15 16 9 19 6 26 25 27 22 25
Capex (1) (1) (1) (2) 0 (6) (12) 0 (3) (1)
Free cash flow 14 15 8 17 6 21 13 26 19 25
Balance, $m
Balance, $m Working capital (85) (56) (68) (108) (301) (431) (454) (285) (239) (149)
Total debt 24 — — 5 24 24 25 130 200 200
Net debt (38) (59) (53) (88) (46) (162) (55) 98 (14) 62
Shareholders’ equity 116 115 118 128 145 157 114 132 145 175
Returns, %
Returns, % ROA 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
ROE 7.10 1.88 5.25 13.11 9.39 12.98 11.01 11.04 8.02 13.27
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
MYFW First Western Financial, Inc. $287.7M 15.5× 12.3× +10.12% (above 0%: growing) +126.92% (above 0%: growing) +216.45% (above 0%: growing) 58.35% 0.00% Compare
ATLO Ames National Corporation $284.8M 12.5× 11.0× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
FUNC First United Corporation $283.5M 11.4× 9.1× +5.24% (above 0%: growing) −4.35% (below 0%: shrinking) +705.52% (above 0%: growing) 75.95% 0.00% Compare
FRAF Franklin Financial Services Corp. $282.6M 11.4× 10.0× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00%
OVLY Oak Valley Bancorp (CA) $282.3M 12.0× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
ISBA Isabella Bank Corporation $280.1M 13.5× 11.9× +13.60% (above 0%: growing) +1.47% (above 0%: growing) +1.06% (above 0%: growing) 73.42% 0.00% Compare
VABK Virginia National Bankshares Corporation $279.1M 11.1× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
NKSH National Bankshares, Inc. $276.0M 13.6× 10.7× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
FNRN First Northern Community Bancorp $273.3M 12.2× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
Median of peers $281.2M 12.3× 11.5× +6.92% +16.42% +16.36% 74.71% 0.00%

All 323 Banks Regional stocks →

Franklin Financial Services Corp. (FRAF) key facts

  • Strength: Franklin Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $133.5 million, up 16.0% from fiscal 2024.
  • Strength: Net income was $21.2 million, or $4.74 per share (basic), a net margin of 15.9%.
  • Franklin Financial Services Corp. (FRAF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, FRAF traded at $62.75, a market capitalization of $282.6 million.
  • At that price the stock trades at 11.4× trailing-twelve-month earnings and 2.1× sales; its P/E is higher than 66% of its own readings over the past ten years.
  • Franklin Financial Services Corp. pays an annual dividend of $1.34 per share, a yield of 2.14%, with a payout ratio of 24.4%.
  • Return on equity was 13.3% and debt-to-equity 1.09.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Franklin Financial Services Corp. (FRAF) Latest News

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