Franklin Financial Services Corporation (FRAF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
17.10
↑+48% vs avg
5yr avg: 11.55
30Y Low4.1·High22.8
P/FCF
↑
10.46
↑+24% vs avg
5yr avg: 8.41
30Y Low3.1·High21.1
P/B Ratio
↑
1.47
↑+31% vs avg
5yr avg: 1.12
30Y Low0.6·High2.6
ROE
↑
13.3%
↓+18% vs avg
5yr avg: 11.3%
30Y Low2%·High13%
Debt/EBITDA
↑
8.17
↑+21% vs avg
5yr avg: 6.76
30Y Low0.3·High14.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FRAF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Franklin Financial Services Corporation trades at 12.1x earnings, 19% above its 5-year average of 10.2x, sitting at the 60th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 10.5x P/FCF, 24% above the 5-year average of 8.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $257M | $226M | $132M | $138M | $160M | $147M | $118M | $170M | $139M | $163M | $123M |
| Enterprise Value | $449M | $418M | $151M | $263M | $107M | $-14232000 | $73M | $83M | $86M | $104M | $111M |
| P/E Ratio → | 12.07 | 10.59 | 11.91 | 10.18 | 10.74 | 7.49 | 9.23 | 10.54 | 22.66 | 74.72 | 15.21 |
| P/S Ratio | 1.92 | 1.69 | 1.16 | 1.53 | 2.28 | 2.30 | 1.97 | 2.70 | 2.46 | 3.19 | 2.58 |
| P/B Ratio | 1.47 | 1.29 | 0.91 | 1.05 | 1.41 | 0.94 | 0.81 | 1.33 | 1.17 | 1.41 | 1.06 |
| P/FCF | 10.46 | 9.19 | 6.88 | 5.30 | 12.32 | 8.38 | 19.83 | 9.82 | 17.04 | 10.76 | 8.62 |
| P/OCF | 10.10 | 8.88 | 6.07 | 5.20 | 6.36 | 5.58 | 18.34 | 8.97 | 14.91 | 10.02 | 8.28 |
P/E links to full P/E history page with 30-year chart
FRAF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Franklin Financial Services Corporation's enterprise value stands at 17.1x EBITDA, 48% above its 5-year average of 11.5x. The Financial Services sector median is 11.4x, placing the stock at a 50% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.13 | 1.33 | 2.91 | 1.53 | -0.22 | 1.22 | 1.31 | 1.52 | 2.04 | 2.32 |
| EV / EBITDA | 17.10 | 15.91 | 9.79 | 14.82 | 5.67 | -0.59 | 5.07 | 4.06 | 11.77 | 14.64 | 10.26 |
| EV / EBIT | 17.10 | 15.91 | 11.33 | 16.72 | 6.14 | -0.62 | 5.59 | 4.35 | 14.39 | 18.16 | 11.78 |
| EV / FCF | — | 17.01 | 7.86 | 10.10 | 8.24 | -0.81 | 12.27 | 4.78 | 10.54 | 6.89 | 7.75 |
FRAF Profitability
Margins and return-on-capital ratios measuring operating efficiency
Franklin Financial Services Corporation earns an operating margin of 19.7%, roughly in line with the Financial Services sector average. Operating margins have expanded from 17.4% to 19.7% over the past 3 years, signaling improving operational efficiency. ROE of 13.3% is modest. ROIC of 5.2% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.3% | 64.3% | 59.7% | 71.4% | 92.2% | 98.7% | 85.6% | 88.3% | 74.9% | 93.8% | 87.4% |
| Operating Margin | 19.7% | 19.7% | 11.7% | 17.4% | 24.9% | 36.0% | 21.8% | 30.1% | 10.5% | 11.2% | 19.7% |
| Net Profit Margin | 15.9% | 15.9% | 9.8% | 15.0% | 21.3% | 30.7% | 21.4% | 25.6% | 10.8% | 4.3% | 16.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 13.3% | 8.0% | 11.0% | 11.0% | 13.0% | 9.4% | 13.1% | 5.2% | 1.9% | 7.1% |
| ROA | 1.0% | 1.0% | 0.6% | 0.8% | 0.9% | 1.2% | 0.9% | 1.3% | 0.5% | 0.2% | 0.7% |
| ROIC | 5.2% | 5.2% | 3.0% | 5.5% | 8.2% | 9.8% | 6.5% | 11.3% | 3.8% | 3.4% | 5.6% |
| ROCE | 2.0% | 2.0% | 4.8% | 10.0% | 10.4% | 12.4% | 8.1% | 14.0% | 4.6% | 4.5% | 7.9% |
FRAF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Franklin Financial Services Corporation carries a Debt/EBITDA ratio of 8.2x, which is highly leveraged (98% above the sector average of 4.1x). Net debt stands at $192M ($215M total debt minus $22M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.23 | 1.23 | 1.55 | 1.17 | 0.23 | 0.16 | 0.17 | 0.04 | — | — | 0.21 |
| Debt / EBITDA | 8.17 | 8.17 | 14.54 | 8.69 | 1.36 | 1.01 | 1.73 | 0.25 | — | — | 2.25 |
| Net Debt / Equity | — | 1.10 | 0.13 | 0.95 | -0.47 | -1.03 | -0.31 | -0.69 | -0.45 | -0.51 | -0.11 |
| Net Debt / EBITDA | 7.32 | 7.32 | 1.22 | 7.04 | -2.81 | -6.66 | -3.13 | -4.29 | -7.26 | -8.23 | -1.15 |
| Debt / FCF | — | 7.82 | 0.98 | 4.80 | -4.08 | -9.19 | -7.56 | -5.05 | -6.51 | -3.87 | -0.87 |
| Interest Coverage | 0.59 | 0.59 | 0.30 | 0.68 | 3.60 | 7.93 | 3.28 | 2.67 | 1.41 | 2.30 | 4.18 |
FRAF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Franklin Financial Services Corporation's current ratio of 124.23x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.30x to 124.23x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 124.23 | 124.23 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.18 | 0.18 |
| Quick Ratio | 124.23 | 124.23 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.18 | 0.18 |
| Cash Ratio | 5.85 | 5.85 | 0.11 | 0.02 | 0.05 | 0.12 | 0.05 | 0.08 | 0.05 | 0.06 | 0.04 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FRAF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Franklin Financial Services Corporation returns 2.7% to shareholders annually — split between a 2.3% dividend yield and 0.4% buyback yield. The payout ratio of 27.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.3% | 2.6% | 4.3% | 4.0% | 3.5% | 3.8% | 4.4% | 3.0% | 3.3% | 2.5% | 2.9% |
| Payout Ratio | 27.5% | 27.5% | 50.7% | 41.1% | 37.9% | 28.2% | 40.8% | 31.7% | 75.1% | 185.2% | 43.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.3% | 9.4% | 8.4% | 9.8% | 9.3% | 13.4% | 10.8% | 9.5% | 4.4% | 1.3% | 6.6% |
| FCF Yield | 9.6% | 10.9% | 14.5% | 18.9% | 8.1% | 11.9% | 5.0% | 10.2% | 5.9% | 9.3% | 11.6% |
| Buyback Yield | 0.4% | 0.5% | 0.6% | 1.7% | 2.1% | 0.8% | 1.0% | 2.3% | 0.1% | 0.0% | 0.6% |
| Total Shareholder Yield | 2.7% | 3.1% | 4.9% | 5.8% | 5.6% | 4.6% | 5.4% | 5.3% | 3.4% | 2.5% | 3.5% |
| Shares Outstanding | — | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare FRAF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FRAFYou | $257M | 12.1 | 17.1 | 10.5 | 64.3% | 19.7% | 13.3% | 5.2% | 8.2 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CZWI | $203M | 14.4 | 15.2 | 19.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FUNC | $244M | 11.9 | 11.4 | 12.0 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 MNSB | $175M | 13.3 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 PFIS | $589M | 10.0 | 10.9 | 13.6 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 FXNC | $249M | 14.0 | 5.9 | 11.8 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 NKSH | $234M | 14.7 | 11.9 | 15.4 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CZFS | $307M | 8.4 | 12.8 | 8.7 | 63.3% | 26.0% | 11.5% | 5.4% | 6.9 |
 PBFS | $366M | 19.2 | 7.5 | 11.4 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonFRAF — Frequently Asked Questions
Quick answers to the most common questions about buying FRAF stock.
What is Franklin Financial Services Corporation's P/E ratio?
Franklin Financial Services Corporation's current P/E ratio is 12.1x. The historical average is 14.4x. This places it at the 60th percentile of its historical range.
What is Franklin Financial Services Corporation's EV/EBITDA?
Franklin Financial Services Corporation's current EV/EBITDA is 17.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.9x.
What is Franklin Financial Services Corporation's ROE?
Franklin Financial Services Corporation's return on equity (ROE) is 13.3%. The historical average is 10.1%.
Is FRAF stock overvalued?
Based on historical data, Franklin Financial Services Corporation is trading at a P/E of 12.1x. This is at the 60th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Franklin Financial Services Corporation's dividend yield?
Franklin Financial Services Corporation's current dividend yield is 2.27% with a payout ratio of 27.5%.
What are Franklin Financial Services Corporation's profit margins?
Franklin Financial Services Corporation has 64.3% gross margin and 19.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Franklin Financial Services Corporation have?
Franklin Financial Services Corporation's Debt/EBITDA ratio is 8.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.