Trailing Dividend / Share
$1.30
Franklin Financial Services Corporation (FRAF) Dividend History
Income profile from 1994 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.3%
Payout Ratio
27.5%
Sustainable
Dividend Streak
1 years
FRAF Dividend Income Check
Safety
27.5% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 4.9% and trend is rising.
FRAF Dividend Scorecard
Yield & Income
Dividend Yield2.3%
Trailing DPS$1.30
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout27.5%
Earnings SafetySustainable
FCF Payout23.8%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak1 years
3Y CAGR0.8%
5Y CAGR1.8%
Yield on Cost (5Y)4.9%
YOC Trendrising
Total Returns
Buyback Yield0.4%
Total Shareholder Yield2.7%
1Y Total Return52.0%
5Y Total Return114.3%
Div Contribution (5Y)22.7%
Estimated $10K growth (return + dividends):
5Y ago$21,43010Y ago$29,37520Y ago$31,198
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
FRAF Income Growth Story
Dividend per share and yield on cost over time (32 years of payments)
FRAF Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Franklin Financial Services Corporation distributes 27.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 23.8%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
FRAF has raised its dividend for 1 consecutive year, with a 3-year CAGR of 0.8% and 5-year CAGR of 1.8%.
Total Shareholder Returns
Beyond cash dividends, FRAF returns capital through share repurchases. The combined picture: 2.3% dividend yield, 0.4% buyback yield, 2.7% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 4.9% and is currently rising. The 5-year total return is 114.3%, with dividends contributing 22.7% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $29,375 today.
FRAF Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$6.46
Avg/Payment$0.3230
Latest Change+3.0%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 1, 2026Latest | $0.3400 | ↑ +3.0% | 2.33% | May 27, 2026 |
| Feb 6, 2026 | $0.3300 | — | 2.75% | Feb 25, 2026 |
| Nov 7, 2025 | $0.3300 | — | 2.84% | Nov 26, 2025 |
| Aug 1, 2025 | $0.3300 | — | 3.33% | Aug 27, 2025 |
| May 2, 2025 | $0.3300 | ↑ +3.1% | 3.36% | May 28, 2025 |
| Feb 7, 2025 | $0.3200 | — | 3.50% | Feb 26, 2025 |
| Nov 1, 2024 | $0.3200 | — | 3.91% | Nov 27, 2024 |
| Aug 2, 2024 | $0.3200 | — | 3.96% | Aug 28, 2024 |
FRAF Dividend vs Peers
Comparable companies in the same industry
#5 yield in peer group
Div Yield
2.3%
#5 of 8
Safety
Sustainable
27.5% payout
Streak
1Y
1.8% 5Y CAGR
Total Shareholder
2.7%
#7 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| FRAFFranklin Financial S… | $257M | 2.3% | 27.5% | 1 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.4B | 3.2% | 42.9% | 12 | Sustainable |
 CZWICitizens Community B… | $203M | 1.8% | 25.0% | 7 | Sustainable |
 FUNCFirst United Corpora… | $244M | 2.2% | 26.1% | 7 | Sustainable |
1st  PFISPeoples Financial Se… | $589M | 4.2% | 41.6% | 9 | Sustainable |
 FXNCFirst National Corpo… | $249M | 2.2% | 31.2% | 11 | Sustainable |
2nd  NKSHNational Bankshares,… | $234M | 4.1% | 60.7% | 1 | Watch |
 CZFSCitizens Financial S… | $307M | 3.1% | 26.1% | 5 | Sustainable |
FRAF Annual Dividend History (1994–2026)
33 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.67 | — | 2 | — | — | — | 2.5% |
| 2025 | $1.31 | 2.3% | 4 | $4.74 | 27.6% | 3.62x | 4.9% |
| 2024 | $1.28 | 0.0% | 4 | $2.51 | 51.0% | 1.96x | 4.7% |
| 2023 | $1.28 | 0.0% | 4 | $3.10 | 41.3% | 2.42x | 4.7% |
| 2022 | $1.28 | 2.4% | 4 | $3.36 | 38.1% | 2.62x | 4.7% |
| 2021 | $1.25 | 4.2% | 4 | $4.42 | 28.3% | 3.54x | 4.6% |
| 2020 | $1.20 | 2.6% | 4 | $2.93 | 41.0% | 2.44x | 4.4% |
| 2019 | $1.17 | 11.4% | 4 | $3.67 | 31.9% | 3.14x | 4.3% |
| 2018 | $1.05 | 16.7% | 4 | $1.39 | 75.5% | 1.32x | 3.9% |
| 2017 | $0.90 | 9.8% | 4 | $0.50 | 180.0% | 0.56x | 3.3% |
See FRAF's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonFRAF — Frequently Asked Questions
Quick answers to the most common questions about buying FRAF stock.
How much dividend does FRAF pay per share?
Franklin Financial Services Corporation (FRAF) pays a trailing 12-month dividend of $1.30 per share, with a current dividend yield of +2.3%. Payments are made Semi-Annual.
When is FRAF's next ex-dividend date?
FRAF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. FRAF typically pays dividends Semi-Annual.
Is FRAF's dividend safe?
FRAF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +27.5% and FCF payout ratio of +23.8%. The 1-year growth streak provides moderate confidence.
How many years has FRAF increased its dividend?
FRAF has 1 consecutive years of dividend growth. The 5-year dividend CAGR is +1.8%.
How often does FRAF pay dividends?
Franklin Financial Services Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.30 per share. Dividend data on this page covers 32+ years from 1994 to 2026.
How much would $10,000 invested in FRAF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in FRAF five years ago would be worth approximately $21,430 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is FRAF's yield on cost for long-term holders?
FRAF's yield on cost — the current dividend divided by the original purchase price — is +4.9% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.3% market yield, thanks to consistent dividend growth.