Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.92 | 10.65 | 8.63 | 9.30 | 9.66 | 6.56 | 10.07 | 67.95 | 7.93 | 10.71 | 8.51 | 9.86 | 8.10 | 10.20 | 9.88 | 10.74 | 7.51 | 9.42 | 12.59 | 10.09 | 6.06 |
| — | +62.3% | -14.3% | -86.3% | +21.9% | -38.8% | +18.4% | +589.2% | -2.1% | +5.0% | -13.9% | -8.2% | +7.7% | +8.2% | -21.5% | +6.5% | +23.9% | +40.5% | +76.0% | +55.3% | -10.4% | |
| P/S Ratio | 3.10 | 2.87 | 2.41 | 2.42 | 2.28 | 1.74 | 1.98 | 2.20 | 1.74 | 1.78 | 1.65 | 1.95 | 1.79 | 1.85 | 2.08 | 2.24 | 2.01 | 2.13 | 2.63 | 2.35 | 2.27 |
| — | +64.9% | +21.6% | +10.1% | +31.1% | -2.3% | +20.0% | +12.8% | -2.6% | -3.8% | -20.5% | -12.8% | -11.0% | -12.8% | -21.0% | -4.8% | -11.3% | -10.3% | +12.8% | +18.8% | +33.2% | |
| P/B Ratio | 1.57 | 1.53 | 1.29 | 1.29 | 1.24 | 0.97 | 1.04 | 0.91 | 0.89 | 0.95 | 0.86 | 1.04 | 1.08 | 1.02 | 1.06 | 1.40 | 1.29 | 1.11 | 1.10 | 0.94 | 0.93 |
| — | +57.2% | +24.0% | +40.9% | +39.4% | +2.6% | +21.1% | -12.2% | -17.8% | -6.5% | -19.2% | -25.4% | -16.0% | -8.1% | -3.6% | +49.3% | +39.0% | +17.8% | +12.4% | +15.3% | +39.0% | |
| P/FCF | 11.19 | 11.76 | 2.40 | 17.64 | 6.59 | 7.74 | 4.57 | 8.62 | 4.73 | 17.64 | 4.46 | 5.83 | 4.44 | 5.48 | 4.30 | 6.35 | 5.78 | 65.13 | 203.75 | 35.37 | 7.65 |
| — | +51.9% | -47.6% | +104.5% | +39.3% | -56.1% | +2.6% | +47.9% | +6.5% | +221.7% | +3.6% | -8.1% | -23.2% | -91.6% | -97.9% | -82.1% | -24.4% | +190.7% | +5986.7% | +383.7% | — | |
| EV / EBITDA | 12.71 | 8.61 | 11.93 | 9.72 | 8.08 | 5.36 | 7.23 | 35.27 | 7.10 | 15.09 | 12.81 | 14.41 | 8.59 | 8.80 | 6.92 | 5.60 | -2.37 | -2.89 | -0.63 | -0.79 | 2.01 |
| — | +60.6% | +65.1% | -72.4% | +13.9% | -64.5% | -43.5% | +144.7% | -17.4% | +71.5% | +85.1% | +157.5% | +462.9% | +404.5% | +1197.0% | +808.7% | -217.7% | -232.0% | -134.7% | -124.7% | +6.8% | |
| EV / EBIT | 13.74 | 9.14 | 12.67 | 10.42 | 8.73 | 5.75 | 8.04 | 68.86 | 7.83 | 17.15 | 14.53 | 16.23 | 9.55 | 10.06 | 7.86 | 6.09 | -2.58 | -3.08 | -0.68 | -0.84 | 2.09 |
| — | +59.0% | +57.7% | -84.9% | +11.5% | -66.5% | -44.7% | +324.3% | -18.0% | +70.5% | +84.8% | +166.3% | +469.5% | +426.6% | +1256.5% | +824.1% | -223.4% | -233.9% | -135.4% | -124.8% | +2.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.3% | 67.1% | 71.4% | 68.2% | 62.9% | 64.0% | 60.9% | 54.3% | 61.2% | 61.5% | 61.3% | 66.8% | 69.3% | 73.1% | 78.1% | 85.0% | 94.7% | 95.4% | 95.2% | 96.8% | 95.7% |
| — | +4.7% | +17.3% | +25.7% | +2.8% | +4.1% | -0.7% | -18.7% | -11.7% | -15.9% | -21.5% | -21.4% | -26.8% | -23.4% | -18.0% | -12.2% | -1.0% | -6.9% | -5.1% | -2.3% | +4.5% | |
| Operating Margin | 19.7% | 24.2% | 25.1% | 22.2% | 19.5% | 21.9% | 15.4% | 2.0% | 16.7% | 12.8% | 14.5% | 16.0% | 19.5% | 16.3% | 18.0% | 21.6% | 30.1% | 25.1% | 22.7% | 25.7% | 41.5% |
| — | +10.3% | +63.0% | +982.8% | +16.9% | +71.4% | +6.3% | -87.2% | -14.4% | -21.5% | -19.6% | -25.8% | -35.3% | -35.1% | -20.8% | -16.2% | -27.4% | -37.4% | -38.2% | -24.1% | +52.4% | |
| Net Margin | 15.9% | 19.4% | 20.0% | 17.9% | 15.7% | 17.7% | 12.5% | 1.8% | 13.8% | 10.6% | 12.1% | 13.7% | 16.2% | 13.7% | 16.9% | 18.4% | 25.2% | 21.5% | 20.0% | 22.3% | 35.8% |
| — | +9.5% | +59.8% | +886.1% | +13.8% | +67.8% | +3.2% | -86.8% | -14.8% | -22.9% | -28.0% | -25.2% | -35.9% | -36.4% | -15.6% | -17.6% | -29.5% | -35.8% | -35.8% | -22.6% | +50.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 3.6% | 3.7% | 3.5% | 3.3% | 3.8% | 2.6% | 0.3% | 2.9% | 2.2% | 2.5% | 2.8% | 3.3% | 2.4% | 2.8% | 3.3% | 4.0% | 2.8% | 2.0% | 2.4% | 3.9% |
| — | -4.7% | +41.6% | +970.2% | +12.4% | +71.0% | +5.0% | -88.2% | -10.6% | -8.5% | -8.9% | -15.9% | -18.3% | -11.5% | +35.2% | +41.8% | +4.4% | -23.5% | -39.4% | -26.3% | +52.8% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.0% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +9.8% | +66.2% | +1089.3% | +16.0% | +73.6% | +0.8% | -88.2% | -7.0% | -13.2% | -9.5% | -9.6% | -14.0% | -13.2% | +13.5% | +0.6% | -26.8% | -38.2% | -44.8% | -30.3% | +45.6% | |
| ROIC | 5.2% | 1.6% | 1.6% | 1.5% | 1.3% | 1.5% | 1.0% | 0.1% | 0.9% | 0.6% | 0.8% | 1.1% | 1.5% | 1.3% | 1.6% | 2.4% | 3.0% | 2.0% | 1.5% | 1.8% | 2.9% |
| — | +7.6% | +63.8% | +1283.2% | +46.3% | +131.2% | +17.1% | -90.7% | -40.4% | -51.2% | -46.7% | -52.6% | -49.2% | -36.8% | +3.7% | +35.7% | +2.5% | -26.6% | -41.3% | -26.7% | +47.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.23 | 1.17 | 1.20 | 1.23 | 1.29 | 1.42 | 1.48 | 1.55 | 1.76 | 2.22 | 2.27 | 1.17 | 1.17 | 0.79 | 0.61 | 0.23 | 0.24 | 0.20 | 0.18 | 0.16 | 0.16 |
| — | -17.7% | -18.6% | -20.8% | -26.7% | -36.0% | -34.8% | +32.4% | +50.2% | +181.1% | +270.5% | +418.1% | +389.6% | +291.4% | +244.5% | +45.0% | +49.1% | +23.8% | +0.8% | -9.2% | -8.4% | |
| Debt / EBITDA | 7.56 | 24.55 | 24.40 | 26.78 | 29.86 | 28.51 | 41.87 | 208.92 | 46.91 | 72.76 | 66.99 | 33.88 | 26.06 | 23.38 | 18.94 | 5.42 | 4.30 | 5.53 | 6.60 | 5.44 | 3.48 |
| — | -13.9% | -41.7% | -87.2% | -36.4% | -60.8% | -37.5% | +516.6% | +80.0% | +211.2% | +253.7% | +525.6% | +506.7% | +322.6% | +187.1% | -0.4% | +23.6% | +48.5% | +60.5% | +24.3% | -39.1% | |
| Current Ratio | 0.13 | 0.34 | 5.46 | 0.13 | 0.14 | 0.17 | 0.28 | 0.29 | 0.41 | 0.40 | 0.42 | 0.30 | 0.34 | 0.32 | 0.36 | 0.36 | 0.42 | 0.43 | 0.44 | 0.45 | 0.42 |
| — | +93.9% | +1820.0% | -56.6% | -65.1% | -56.7% | -31.7% | -4.1% | +18.7% | +23.7% | +16.7% | -17.5% | -17.8% | -24.4% | -18.2% | -19.3% | -1.2% | +3.1% | +14.6% | +31.0% | +31.4% | |
| Quick Ratio | 0.13 | 0.34 | 5.46 | 0.13 | 0.14 | 0.17 | 0.28 | 0.29 | 0.41 | 0.40 | 0.42 | 0.30 | 0.34 | 0.32 | 0.36 | 0.36 | 0.42 | 0.43 | 0.44 | 0.45 | 0.42 |
| — | +93.9% | +1820.0% | -56.6% | -65.1% | -56.7% | -31.7% | -4.1% | +18.7% | +23.7% | +16.7% | -17.5% | -17.8% | -24.4% | -18.2% | -19.3% | -1.2% | +3.1% | +14.6% | +31.0% | +31.4% | |
| Interest Coverage | 0.59 | 0.86 | 0.90 | 0.72 | 0.58 | 0.64 | 0.42 | 0.05 | 0.45 | 0.35 | 0.39 | 0.53 | 0.72 | 0.67 | 0.94 | 1.83 | 5.64 | 5.46 | 4.72 | 5.83 | 9.56 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FRAF stock.
Franklin Financial Services Corporation's current P/E is 12.9x. The average P/E over the last 4 quarters is 9.6x. 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.