Franklin Financial Services Corporation (FRAF) Key Metrics
FRAF valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $282.3M
- Enterprise value
- $470.6M
- P/E (TTM)
- 11.5 10-yr median 10.7
- Forward P/E
- 12.0
- PEG ratio
- 1.03
- Price / sales
- 3.1 10-yr median 2.3
- Price / book
- 1.5 10-yr median 1.1
- EV / EBITDA
- —
- Dividend yield
- 2.17% $1.36 a year
- Beta
- −0.02
FRAF key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFRAF valuation Price multiples at each fiscal year-end price.
FRAF returns How much profit the business earns on the capital it uses.
FRAF per-share figures Results divided by the shares outstanding at year-end.
FRAF financial health Debt, liquidity and how easily interest is covered.
FRAF efficiency & capital use Working capital cycle and where the cash goes.
FRAF valuation history
FRAF returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FRAF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FRAF cash returned to shareholders
FRAF price vs earnings per share
FRAF key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $225.8M | $132.0M | $138.2M | $160.5M | $147.0M | $118.0M | $170.1M | $138.7M | $162.9M | $123.0M |
| Enterprise value | $210.7M | −$168.2M | −$209.2M | −$379.5M | −$544.0M | −$323.9M | −$104.8M | $85.8M | −$22.7M | −$33.2M |
| P/E ratio | 10.6 | 11.9 | 10.2 | 10.7 | 7.5 | 9.2 | 10.6 | 22.6 | 74.8 | 15.2 |
| Price / sales | 1.7 | 1.2 | 1.5 | 2.3 | 2.3 | 2.0 | 2.7 | 2.5 | 3.2 | 2.6 |
| Price / book | 1.3 | 0.9 | 1.0 | 1.4 | 0.9 | 0.8 | 1.3 | 1.2 | 1.4 | 1.1 |
| Price / free cash flow | 9.2 | 6.9 | 5.3 | 12.3 | 8.4 | 19.8 | 9.8 | 17.0 | 10.8 | 8.6 |
| Price / operating cash flow | 8.9 | 6.1 | 5.2 | 6.4 | 5.6 | 18.3 | 9.0 | 14.9 | 10.0 | 8.3 |
| EV / sales | 1.6 | -1.5 | -2.3 | -5.4 | -8.5 | -5.4 | -1.7 | 1.5 | -0.4 | -0.7 |
| EV / EBITDA | 7.4 | — | — | — | — | — | — | 11.8 | — | — |
| EV / free cash flow | 8.6 | — | — | — | — | — | — | 10.5 | — | — |
| Earnings yield | 9.4% | 8.4% | 9.8% | 9.3% | 13.3% | 10.8% | 9.5% | 4.4% | 1.3% | 6.6% |
| Free cash flow yield | 10.9% | 14.5% | 18.9% | 8.1% | 11.9% | 5.0% | 10.2% | 5.9% | 9.3% | 11.6% |
| Dividend yield | 2.6% | 4.3% | 4.0% | 3.5% | 3.8% | 4.4% | 3.0% | 3.3% | 2.5% | 2.9% |
| Shareholder yield (dividends + buybacks) | 3.1% | 4.9% | 5.8% | 5.6% | 4.6% | 5.4% | 5.3% | 3.4% | 2.5% | 3.5% |
| Share price at fiscal year-end | $50.20 | $29.90 | $31.55 | $36.10 | $33.10 | $27.03 | $38.69 | $31.50 | $37.36 | $28.60 |
| Per share | ||||||||||
| Revenue per share | $29.69 | $25.79 | $20.63 | $15.81 | $14.41 | $13.73 | $14.34 | $12.83 | $11.73 | $11.09 |
| Earnings per share | $4.72 | $2.51 | $3.10 | $3.36 | $4.42 | $2.93 | $3.67 | $1.39 | $0.50 | $1.88 |
| Operating cash flow per share | $5.66 | $4.93 | $6.06 | $5.68 | $5.93 | $1.47 | $4.31 | $2.11 | $3.73 | $3.45 |
| Free cash flow per share | $5.46 | $4.35 | $5.95 | $2.93 | $3.95 | $1.36 | $3.94 | $1.85 | $3.47 | $3.32 |
| Cash per share | $51.09 | $118.74 | $114.56 | $127.27 | $161.14 | $106.92 | $63.70 | $41.88 | $42.57 | $41.97 |
| Book value per share | $38.96 | $32.79 | $30.16 | $25.69 | $35.38 | $33.25 | $29.01 | $26.88 | $26.42 | $27.08 |
| Tangible book value per share | $36.96 | $30.74 | $28.10 | $21.63 | $31.31 | $29.12 | $24.91 | $24.84 | $22.28 | $22.89 |
| Dividends per share | $1.30 | $1.28 | $1.28 | $1.27 | $1.24 | $1.20 | $1.16 | $1.04 | $0.92 | $0.82 |
| Capex per share | $0.19 | $0.58 | $0.11 | $2.75 | $1.98 | $0.11 | $0.38 | $0.26 | $0.26 | $0.13 |
| Debt per share | $47.73 | $50.74 | $35.26 | $5.80 | $5.51 | $5.70 | $1.17 | $29.85 | $0.00 | $5.64 |
| Shares outstanding | 4.5M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.4M | 4.3M |
| Change in shares outstanding | +1.9% | +0.8% | −1.4% | +0.1% | +1.7% | −0.7% | −0.2% | +1.0% | +1.3% | +1.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 13.3% | 8.0% | 11.0% | 11.0% | 13.0% | 9.4% | 13.1% | 5.2% | 1.9% | 7.1% |
| Return on invested capital (ROIC) | 904.0% | — | — | — | — | — | — | — | — | — |
| Return on assets (ROA) | 1.0% | 0.6% | 0.8% | 0.9% | 1.2% | 0.9% | 1.3% | 0.5% | 0.2% | 0.7% |
| Return on tangible assets | 1.0% | 0.5% | 0.7% | 0.9% | 1.1% | 0.8% | 1.3% | 0.5% | 0.2% | 0.7% |
| Free cash flow margin | 18.4% | 16.9% | 28.8% | 18.5% | 27.4% | 9.9% | 27.5% | 14.4% | 29.6% | 29.9% |
| Income quality (OCF / net income) | 1.20 | 1.96 | 1.95 | 1.69 | 1.34 | 0.50 | 1.18 | 1.52 | 7.47 | 1.84 |
| Financial health | ||||||||||
| Total debt | $214.7M | $224.0M | $154.5M | $25.8M | $24.4M | $24.9M | $5.2M | $131.5M | $0 | $24.3M |
| Cash & short-term investments | $229.8M | $524.1M | $501.9M | $565.7M | $715.5M | $466.8M | $280.0M | $184.4M | $185.6M | $180.5M |
| Net debt | −$15.1M | −$300.1M | −$347.4M | −$539.9M | −$691.0M | −$441.9M | −$274.8M | −$53.0M | −$185.6M | −$156.3M |
| Debt / equity | 1.23 | 1.55 | 1.17 | 0.23 | 0.16 | 0.17 | 0.04 | 1.11 | 0.00 | 0.21 |
| Debt / assets | 0.10 | 0.10 | 0.08 | 0.02 | 0.01 | 0.02 | 0.00 | 0.11 | 0.00 | 0.02 |
| Net debt / EBITDA | −0.53 | −19.48 | −19.55 | −28.52 | −28.54 | −30.72 | −13.50 | −7.26 | −26.06 | −14.48 |
| Current ratio | 0.13 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.18 | 0.18 |
| Quick ratio | 0.13 | 0.29 | 0.30 | 0.36 | 0.45 | 0.34 | 0.25 | 0.17 | 0.17 | 0.17 |
| Interest coverage | 0.6 | 0.3 | 0.7 | 3.6 | 7.9 | 3.3 | 2.7 | 1.4 | 2.3 | 4.2 |
| Working capital | −$1.61B | −$1.29B | −$1.17B | −$985.7M | −$868.9M | −$887.7M | −$845.4M | −$898.2M | −$861.6M | −$825.9M |
| Invested capital | $160.1M | −$155.4M | −$215.3M | −$425.7M | −$533.9M | −$296.8M | −$147.3M | $65.4M | −$70.4M | −$39.8M |
| Tangible asset value | $166.2M | $135.7M | $123.1M | $96.2M | $139.0M | $127.1M | $109.5M | $109.4M | $97.1M | $98.5M |
| Net current asset value | −$1.83B | −$1.53B | −$1.20B | −$1.02B | −$901.3M | −$923.0M | −$861.6M | −$906.8M | −$879.1M | −$830.4M |
| Graham number | $64.32 | $43.07 | $45.90 | $44.08 | $59.30 | $46.83 | $48.92 | $29.00 | $17.22 | $33.84 |
| Graham net-net per share | −$407.73 | −$346.40 | −$274.37 | −$229.40 | −$202.99 | −$211.41 | −$196.00 | −$205.59 | −$201.38 | −$192.46 |
| Capital allocation | ||||||||||
| Dividends paid | $5.8M | $5.6M | $5.6M | $5.7M | $5.5M | $5.2M | $5.1M | $4.6M | $4.0M | $3.5M |
| Share buybacks (net) | $1.1M | $827,000 | $2.4M | $3.3M | $1.2M | $1.2M | $3.8M | $88,000 | $0 | $795,000 |
| Dividend payout ratio | 27.5% | 50.7% | 41.1% | 37.9% | 28.2% | 40.8% | 31.7% | 75.1% | 185.2% | 43.6% |
| Dividends + buybacks / free cash flow | 28.3% | 33.6% | 30.6% | 69.0% | 38.3% | 107.5% | 51.8% | 57.6% | 26.6% | 30.2% |
| Capex / revenue | 0.6% | 2.3% | 0.6% | 17.4% | 13.8% | 0.8% | 2.6% | 2.1% | 2.2% | 1.2% |
| Capex / operating cash flow | 3.4% | 11.8% | 1.9% | 48.4% | 33.4% | 7.5% | 8.7% | 12.5% | 6.9% | 3.9% |
| Capex / depreciation | 0.40 | 1.23 | 0.25 | 8.50 | 7.33 | 0.36 | 1.21 | 0.87 | 0.81 | 0.41 |
| Stock-based compensation / revenue | 0.6% | 0.6% | 0.5% | 0.7% | 0.3% | 0.3% | −1.1% | 0.3% | 0.3% | 0.2% |
| SG&A / revenue | 30.5% | 31.9% | 35.1% | 43.8% | 42.3% | 41.1% | 38.1% | 39.3% | 39.7% | 40.7% |
| Efficiency | ||||||||||
| Days of inventory on hand | — | — | — | — | — | — | — | 68.0 | 433.8 | 344.6 |
| Days payables outstanding | — | — | — | 103,806.4 | 668,771.9 | 52,608.8 | 54,825.0 | 27,434.4 | 117,161.5 | 57,618.8 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | 5.36 | 0.84 | 1.06 |
| Asset turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average payables | — | — | — | $1.57B | $1.47B | $1.24B | $1.10B | $1.06B | $1.01B | $950.3M |
| Average inventory | — | — | — | — | — | — | — | $2.6M | $3.8M | $5.7M |
| Intangibles / total assets | 0.4% | 0.4% | 0.5% | 1.1% | 1.0% | 1.2% | 1.4% | 0.7% | 1.5% | 1.6% |
Computed from FRAF's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FRAF valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Franklin Financial Services traded at 10.6 times earnings, against a 10-year median of 10.7. Based on the latest twelve months, the trailing P/E is 11.5 and the forward P/E is 12.0. Franklin Financial Services earned a return on equity of 13.3% and a return on invested capital of 904.0% in fiscal 2025. It ended the year with $214.7 million of debt and $229.8 million in cash and short-term investments, a net cash position of $15.1 million. It returned $6.9 million to shareholders: $5.8 million in dividends and $1.1 million in share buybacks, 28% of free cash flow. The share count rose 4.6% from 4.3M to 4.5M over 9 years.
See the FRAF income statement, the FRAF chart for price history, or the FRAF stock overview for the latest quote and news.
FRAF key metrics FAQ
What is Franklin Financial Services's P/E ratio?
Franklin Financial Services's trailing P/E ratio is 11.5 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.0. At the end of fiscal 2025 it was 10.6, compared with a 10-year median of 10.7.
What is Franklin Financial Services's EV/EBITDA?
Franklin Financial Services's enterprise value was 7.4 times EBITDA at the end of fiscal 2025 (enterprise value $210.7 million, EBITDA $28.4 million).
What is Franklin Financial Services's return on equity?
Franklin Financial Services's return on equity (ROE) was 13.3% in fiscal 2025: net income of $21.2 million on average shareholders' equity of $160.0 million.
What is Franklin Financial Services's ROIC?
Franklin Financial Services's return on invested capital was 904.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Franklin Financial Services have?
Franklin Financial Services had total debt of $214.7 million at the end of fiscal 2025, a debt-to-equity ratio of 1.23 and more cash than debt.
What is Franklin Financial Services's dividend yield?
Franklin Financial Services's forward dividend yield is 2.17%. Franklin Financial Services paid $5.8 million in dividends in fiscal 2025 ($1.30 per share), a payout ratio of 27.5%.
Does Franklin Financial Services buy back its shares?
Yes. Franklin Financial Services spent $1.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.9% over the year, to 4.5M..
What is Franklin Financial Services's free cash flow yield?
Franklin Financial Services generated $24.6 million of free cash flow in fiscal 2025, a free cash flow yield of 10.9% on its market value at year-end ($225.8 million).
What is Franklin Financial Services's current ratio?
Franklin Financial Services's current ratio was 0.13 at the end of fiscal 2025: current assets were 0.13 times current liabilities.