Stocktoria

FRANKLIN FINANCIAL SERVICES CORP /PA/ FRAF

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27

FRANKLIN FINANCIAL SERVICES CORP /PA/ statistics & valuation

Market cap$284.0M
P / E13.4×
P / B1.6×
Dividend yield2.06%
Return on equity12.1%
Graham number +0.7%$64.58

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($64.58); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.90% 1.90% 5.20% 12.60% 8.80% 12.50% 13.10% 10.30% 7.70% 12.10% 2016201720182019202020212022202320242025
Shares outstanding
4.3M 4.4M 4.4M 4.4M 4.4M 4.4M 4.4M 4.4M 4.4M 4.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.20% 0.50% 1.30% 0.80% 1.10% 0.90% 0.70% 0.50% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.88 $0.50 $1.39 $3.67 $2.93 $4.42 $3.36 $3.10 $2.51 $4.74 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FRANKLIN FINANCIAL SERVICES CORP /PA/ trades at about 13.5× earnings — above its 10-year norm (10-year range 7.5×–73.8×, median 10.8×).

7.5× 73.8×

Shaded band = 10-year range (7.5×–73.8×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.9%0.5%0.7%0.9%1.1%0.8%1.3%0.5%0.2%0.7%
Return on equity12.1%7.7%10.3%13.1%12.5%8.8%12.6%5.2%1.9%6.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.