Franklin Financial Services Cor (FRAF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Franklin Financial Services Cor

NasdaqCM•Financial Services•Banks - Regional

$64.26+1.06(0.02%)Market closed

Market Cap

$285.44M

P/E

11.6x

P/S

2.1x

P/B

1.6x

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

How this company scores

WeakMetricSide Score: 76/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (11/25).

Profitability20/25

Growth20/25

Balance Sheet & Red Flags11/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.6x5y range 6.9x – 13.5x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.1x – 2.2x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.8x – 1.6x

Price & Volume

Market Cap $285.44M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $135.43M
Q. Revenue: $34.08M
TTM EBITDA: $33.87M
TTM Op. Income: $30.69M
Q. Op. Income: $8.25M
TTM Net Income: $24.64M
Q. Net Income: $6.61M
EPS: $1.47
Shares Out.: $4.49M

$135.43M in TTM revenue grew 9.8% YoY, reaching $34.08M last quarter. TTM EBITDA of $33.87M and TTM operating income of $30.69M show growth is flowing through to the bottom line. TTM net income of $24.64M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 71.9%
EBITDA Margin: 25.7%
Op. Margin: 24.2%
Net Margin: 19.4%

Op. margin of 24.2% is up 2.5% YoY — cost efficiency is improving. Net margin at 19.4% and gross margin of 71.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 11% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.6x
P/S Ratio: 2.1x
P/B Ratio: 1.6x

At 11.6x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 9% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.34B
Cash: $195.03M
Long-Term Debt: $210.85M
Book Value: $183.84M
D/E Ratio: 1.1
Debt/EBITDA: 24.1

With $2.34B in assets and $210.85M in long-term debt, D/E is 1.1and book value is $183.84M — moderate leverage. Over the past year, debt/equity is up 0% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.69M
TTM Free Cash Flow: $41.02M
FCF Margin: 30.3%
FCF / Net Income: 1.7

TTM FCF of $41.02M on $6.69M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.