FRANKLIN FINANCIAL SERVICES CORP /PA/ FRAF
Nasdaq · XNAS · stock · State Commercial Banks
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
27.5%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $21.2M | — | — | $175.2M |
| 2024 | — | $11.1M | — | — | $144.7M |
| 2023 | — | $13.6M | — | — | $132.1M |
| 2022 | — | $14.9M | — | — | $114.2M |
| 2021 | — | $19.6M | — | — | $157.1M |
| 2020 | — | $12.8M | — | — | $145.2M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000723646 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.