Latest Ratios: P/E Ratio 12.9x · EV/EBITDA 12.7x · ROE 13.3%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $275M | $226M | $132M | $138M | $160M | $147M | $118M | $170M | $139M | $163M | $123M |
| Enterprise Value | $361M | $312M | $151M | $263M | $107M | $-14232000 | $73M | $83M | $86M | $104M | $111M |
| P/E Ratio → | 12.92 | 10.59 | 11.91 | 10.18 | 10.74 | 7.49 | 9.23 | 10.54 | 22.66 | 74.72 | 15.21 |
| P/S Ratio | 3.10 | 2.54 | 1.89 | 2.06 | 2.45 | 2.41 | 2.11 | 3.04 | 2.65 | 3.35 | 2.71 |
| P/B Ratio | 1.57 | 1.29 | 0.91 | 1.05 | 1.41 | 0.94 | 0.81 | 1.33 | 1.17 | 1.41 | 1.06 |
| P/FCF | 11.19 | 9.19 | 6.88 | 5.30 | 12.32 | 8.38 | 19.83 | 9.82 | 17.04 | 10.76 | 8.62 |
| P/OCF | 10.81 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.51 | 2.16 | 3.92 | 1.64 | -0.23 | 1.30 | 1.48 | 1.64 | 2.14 | 2.43 |
| EV / EBITDA | 12.71 | 10.97 | 9.79 | 14.82 | 5.67 | -0.59 | 5.07 | 4.06 | 11.77 | 14.64 | 10.26 |
| EV / EBIT | 13.74 | 11.87 | 11.33 | 16.72 | 6.14 | -0.62 | 5.59 | 4.35 | 14.39 | 18.16 | 11.78 |
| EV / FCF | — | 12.69 | 7.86 | 10.10 | 8.24 | -0.81 | 12.27 | 4.78 | 10.54 | 6.89 | 7.75 |
Margins and return-on-capital ratios measuring operating efficiency
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% |
| 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 | 6.7% | 6.7% | 4.8% | 10.0% | 10.4% | 12.4% | 8.1% | 14.0% | 4.6% | 4.5% | 7.9% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 | 7.56 | 7.56 | 14.54 | 8.69 | 1.36 | 1.01 | 1.73 | 0.25 | — | — | 2.25 |
| Net Debt / Equity | — | 0.49 | 0.13 | 0.95 | -0.47 | -1.03 | -0.31 | -0.69 | -0.45 | -0.51 | -0.11 |
| Net Debt / EBITDA | 3.03 | 3.03 | 1.22 | 7.04 | -2.81 | -6.66 | -3.13 | -4.29 | -7.26 | -8.23 | -1.15 |
| Debt / FCF | — | 3.50 | 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 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.18 | 0.18 |
| Quick Ratio | 0.13 | 0.13 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.18 | 0.18 |
| Cash Ratio | 0.07 | 0.07 | 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 | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | 2.1% | 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% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.7% | 9.4% | 8.4% | 9.8% | 9.3% | 13.4% | 10.8% | 9.5% | 4.4% | 1.3% | 6.6% |
| FCF Yield | 8.9% | 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 | 2.5% | 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 |
Includes 30+ ratios · 30 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying FRAF stock.
Franklin Financial Services Corporation's current P/E ratio is 12.9x. The historical average is 14.4x. This places it at the 63th percentile of its historical range.
Franklin Financial Services Corporation's current EV/EBITDA is 12.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.7x.
Franklin Financial Services Corporation's return on equity (ROE) is 13.3%. The historical average is 10.1%.
Based on historical data, Franklin Financial Services Corporation is trading at a P/E of 12.9x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Franklin Financial Services Corporation's current dividend yield is 2.12% with a payout ratio of 27.5%.
Franklin Financial Services Corporation has 64.3% gross margin and 19.7% operating margin. Operating margin between 10-20% is typical for established companies.
Franklin Financial Services Corporation's Debt/EBITDA ratio is 7.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.
Key Metrics
Top Statement Risk
Localized geographic concentration risk
Metrics are mathematically derived from official filings.
Premium Pricing Reflects Trust Franchise
With a P/B ratio of 1.62, FRAF trades at a notable premium to peers like MNSB, suggesting that investors are assigning value to the bank's specialized trust and investment services rather than just its underlying lending book, according to current market data.
The valuation multiple appears to incorporate a premium for the bank's high-retention fiduciary business, which provides a non-cyclical revenue stream. Investors should monitor whether this premium is sustainable if the bank's core lending margins continue to face pressure from rising deposit costs.
ROE Constrained by Conservative Leverage
Based on reported financial statements, FRAF's ROE has remained in the low single digits, hovering around 3.7% in 2026Q1, which reflects a deliberate management choice to maintain a fortress-like balance sheet rather than aggressively utilizing leverage to boost shareholder returns.
The DuPont decomposition suggests that profitability is currently hampered by low asset utilization and a conservative capital structure. While this approach minimizes risk, it may limit the bank's ability to generate competitive returns on equity compared to more aggressive regional peers.
Margin Stagnation Amidst Competitive Funding
As reported in recent quarterly filings, the net interest margin has remained stubbornly flat at 0.8%, indicating that the bank's efforts to capture higher asset yields are being largely offset by the rising cost of core deposit funding in its regional market.
The efficiency ratio, which has fluctuated between 42% and 52%, suggests that management is maintaining disciplined cost control despite the challenging interest rate environment. However, the lack of margin expansion warrants further investigation into the bank's long-term ability to defend its net interest income.
Fortress Balance Sheet Limits Growth
According to balance sheet data, the bank maintains a consistent equity-to-assets ratio near 8%, which, when combined with a low debt-to-equity ratio of 1.23%, confirms a highly conservative capital position that prioritizes stability over rapid expansion, as indicated by recent regulatory filings.
This capital adequacy profile provides a significant buffer against localized economic shocks in South Central Pennsylvania. While this posture is prudent, it may indicate that the bank is under-leveraged, potentially leaving excess capital on the table that could be deployed for higher-yielding opportunities.
P/E Ratio Obscures Core Earnings
The P/E ratio is frequently misapplied to FRAF because it fails to account for the volatility introduced by the Franklin Future Fund's venture capital investments, which can distort headline earnings and mask the underlying stability of the bank's core trust and lending operations.
Investors should instead focus on Pre-Provision Net Revenue (PPNR) to better gauge the bank's true earning power. Relying solely on P/E may lead to an inaccurate assessment of the bank's valuation, as it treats non-recurring venture capital gains or losses as part of the bank's sustainable performance.