Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Franklin Financial Services Corporation's quarterly P/E stands at 9.3x, down 86.3% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 63.0% YoY to 13.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.15 | 9.30 | 9.66 | 6.56 | 10.07 | 67.95 | 7.93 | 10.71 | 8.51 | 9.86 | 8.10 | 10.20 | 9.88 |
| — | -86.3% | +21.9% | -38.8% | +18.4% | +589.2% | -2.1% | +5.0% | -13.9% | -8.2% | +7.7% | +8.2% | -21.5% | |
| P/S Ratio | 1.94 | 1.67 | 1.52 | 1.15 | 1.25 | 1.23 | 1.09 | 1.13 | 1.04 | 1.36 | 1.31 | 1.40 | 1.68 |
| — | +35.6% | +38.6% | +1.6% | +20.8% | -9.4% | -16.3% | -19.3% | -38.1% | -30.9% | -31.4% | -30.9% | -32.9% | |
| P/B Ratio | 1.48 | 1.29 | 1.24 | 0.97 | 1.04 | 0.91 | 0.89 | 0.95 | 0.86 | 1.04 | 1.08 | 1.02 | 1.06 |
| — | +40.9% | +39.4% | +2.6% | +21.1% | -12.2% | -17.8% | -6.5% | -19.2% | -25.4% | -16.0% | -8.1% | -3.6% | |
| P/FCF | 10.52 | 17.64 | 6.59 | 7.74 | 4.57 | 8.62 | 4.73 | 17.64 | 4.46 | 5.83 | 4.44 | 5.48 | 4.30 |
| — | +104.5% | +39.3% | -56.1% | +2.6% | +47.9% | +6.5% | +221.7% | +3.6% | -8.1% | -23.2% | -91.6% | -97.9% | |
| EV / EBITDA | 17.16 | 13.03 | 8.08 | 5.36 | 7.23 | 35.27 | 14.49 | 19.65 | 17.19 | 14.41 | 8.59 | 8.80 | 6.92 |
| — | -63.0% | -44.2% | -72.7% | -57.9% | +144.7% | +68.7% | +123.3% | +148.5% | +157.5% | +462.9% | +404.5% | +1197.0% | |
| EV / EBIT | 17.16 | 13.97 | 8.73 | 5.75 | 8.04 | 68.86 | 15.99 | 22.33 | 19.50 | 16.23 | 9.55 | 10.06 | 7.86 |
| — | -79.7% | -45.4% | -74.2% | -58.8% | +324.3% | +67.5% | +121.9% | +148.0% | +166.3% | +469.5% | +426.6% | +1256.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Franklin Financial Services Corporation's operating margin was 22.2% in Q4 2025, up 2.7 pp QoQ and up 20.1 pp YoY. The trailing four-quarter average of 19.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 25.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.3% | 68.2% | 62.9% | 64.0% | 60.9% | 54.3% | 61.2% | 61.5% | 61.3% | 66.8% | 69.3% | 73.1% | 78.1% |
| — | +25.7% | +2.8% | +4.1% | -0.7% | -18.7% | -11.7% | -15.9% | -21.5% | -21.4% | -26.8% | -23.4% | -18.0% | |
| Operating Margin | 19.7% | 22.2% | 19.5% | 21.9% | 15.4% | 2.0% | 16.7% | 12.8% | 14.5% | 16.0% | 19.5% | 16.3% | 18.0% |
| — | +982.8% | +16.9% | +71.4% | +6.3% | -87.2% | -14.4% | -21.5% | -19.6% | -25.8% | -35.3% | -35.1% | -20.8% | |
| Net Margin | 15.9% | 17.9% | 15.7% | 17.7% | 12.5% | 1.8% | 13.8% | 10.6% | 12.1% | 13.7% | 16.2% | 13.7% | 16.9% |
| — | +886.1% | +13.8% | +67.8% | +3.2% | -86.8% | -14.8% | -22.9% | -28.0% | -25.2% | -35.9% | -36.4% | -15.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 3.5% | 3.3% | 3.8% | 2.6% | 0.3% | 2.9% | 2.2% | 2.5% | 2.8% | 3.3% | 2.4% | 2.8% |
| — | +970.2% | +12.4% | +71.0% | +5.0% | -88.2% | -10.6% | -8.5% | -8.9% | -15.9% | -18.3% | -11.5% | +35.2% | |
| ROA | 1.0% | 0.3% | 0.2% | 0.3% | 0.2% | 0.0% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +1089.3% | +16.0% | +73.6% | +0.8% | -88.2% | -7.0% | -13.2% | -9.5% | -9.6% | -14.0% | -13.2% | +13.5% | |
| ROIC | 5.2% | 1.5% | 1.3% | 1.5% | 1.0% | 0.1% | 0.9% | 0.6% | 0.8% | 1.1% | 1.5% | 1.3% | 1.6% |
| — | +1291.1% | +47.8% | +133.4% | +17.8% | -90.8% | -41.0% | -51.6% | -47.0% | -52.6% | -49.2% | -36.8% | +3.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Franklin Financial Services Corporation's Debt/EBITDA ratio is 26.8x, down from 29.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 274871.7% YoY to 793.73x, strengthening the short-term liquidity position. Debt/Equity has declined for 8 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.23 | 1.23 | 1.29 | 1.42 | 1.48 | 1.55 | 1.79 | 2.25 | 2.30 | 1.17 | 1.17 | 0.79 | 0.61 |
| — | -20.8% | -27.8% | -36.9% | -35.6% | +32.4% | +52.6% | +184.9% | +275.5% | +418.1% | +389.6% | +291.4% | +244.5% | |
| Debt / EBITDA | 8.17 | 26.78 | 29.86 | 28.51 | 41.87 | 208.92 | 47.66 | 73.76 | 67.90 | 33.88 | 26.06 | 23.38 | 18.94 |
| — | -87.2% | -37.4% | -61.3% | -38.3% | +516.6% | +82.9% | +215.5% | +258.5% | +525.6% | +506.7% | +322.6% | +187.1% | |
| Current Ratio | 124.23 | 793.73 | 0.14 | 0.17 | 0.28 | 0.29 | 0.41 | 0.40 | 0.42 | 0.30 | 0.34 | 0.32 | 0.36 |
| — | +274871.7% | -65.1% | -56.7% | -31.7% | -4.1% | +18.7% | +23.7% | +16.7% | -17.5% | -17.8% | -24.4% | -18.2% | |
| Quick Ratio | 124.23 | 793.73 | 0.14 | 0.17 | 0.28 | 0.29 | 0.41 | 0.40 | 0.42 | 0.30 | 0.34 | 0.32 | 0.36 |
| — | +274871.7% | -65.1% | -56.7% | -31.7% | -4.1% | +18.7% | +23.7% | +16.7% | -17.5% | -17.8% | -24.4% | -18.2% | |
| Interest Coverage | 0.59 | 0.72 | 0.58 | 0.64 | 0.42 | 0.05 | 0.45 | 0.35 | 0.39 | 0.53 | 0.72 | 0.67 | 0.94 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Franklin Financial Services Corporation's current P/E is 12.1x. The average P/E over the last 4 quarters is 8.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Franklin Financial Services Corporation's current operating margin is 19.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Franklin Financial Services Corporation's business trajectory between earnings reports.