FRAF
Franklin Financial Services Corporation
FRAF's fundamentals are strong, but it looks expensive: trading at 11x earnings, above its usual 9.4x.
FRAF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FRAF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FRAF.
FRAF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $47.51 | -32% |
| Fair | 9.4x | $58.05 | -17% |
| Current | 11x | $69.78 | — |
| Expensive | 12x | $72.26 | +3.5% |
Historical ranges are pointers, not guarantees.
FRAF's PE is in its expensive range at 11x.
FRAF Forward outlook
There aren't enough analyst estimates for FRAF to show an outlook.
FRAF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $6.19 | +76% |
| Q2 2026 | $5.49 | +67% |
| Q1 2026 | $5.34 | +104% |
| Q4 2025 | $4.74 | +89% |
| Q3 2025 | $3.52 | +11% |
| Q2 2025 | $3.28 | +5.8% |
| Q1 2025 | $2.62 | -16% |
| Q4 2024 | $2.51 | -19% |
FRAF earned $6.19 per share over the past year, up 76% from the year before.
FRAF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.6M | +11% |
| Q2 2026 | $24.5M | +9.6% |
| Q1 2026 | $23.9M | +18% |
| Q4 2025 | $23.3M | +52% |
| Q3 2025 | $23M | +18% |
| Q2 2025 | $22.3M | +20% |
| Q1 2025 | $20.2M | +14% |
| Q4 2024 | $15.4M | -14% |
FRAF's revenue has grown year over year for seven quarters in a row: $26M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +13 points |
| Q2 2026 | 34% | +0.9 points |
| Q1 2026 | 35% | +11 points |
| Q4 2025 | 32% | +29 points |
| Q3 2025 | 29% | +2.8 points |
| Q2 2025 | 33% | +13 points |
| Q1 2025 | 24% | +1.4 points |
| Q4 2024 | 3.6% | -19 points |
FRAF's operating margin was 42% last quarter, up 13 points from the same quarter a year ago, near the top of its range since 2019.
FRAF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $6.7M | +30% |
| Q1 2026 | $24.1M | +173% |
| Q4 2025 | $3.2M | -25% |
| Q3 2025 | $8.3M | +6.4% |
| Q2 2025 | $5.1M | +111% |
| Q1 2025 | $8.8M | +21% |
| Q4 2024 | $4.2M | -29% |
| Q3 2024 | $7.8M | +7.5% |
FRAF's free cash flow was $42M over the past year, up 63% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FRAF.
FRAF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +17K shares |
| 1 year | +0.7% | +32K shares |
| 3 years | +2.6% | +115K shares |
| 5 years | +1.3% | +59K shares |
| Available history | +2.4% | +107K shares |
FRAF has 5M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $248,000 |
| Q2 2026 | $350,000 |
| Q1 2026 | $405,000 |
| Q4 2025 | $366,000 |
| Q3 2025 | $300,000 |
| Q2 2025 | $296,000 |
| Q1 2025 | $142,000 |
| Q4 2024 | $231,000 |
FRAF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.0x | Very low |
| Q4 2025 | 2.6x | Moderate |
| Q3 2025 | -8.8x | Net Cash |
| Q2 2025 | -10.4x | Net Cash |
| Q1 2025 | -13.9x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
FRAF's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like FRAF.
FRAF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.0 | Neutral |
| Stochastic | 75.1 | Neutral |
FRAF's weekly RSI is 68 (neutral) and its Stochastic is 75 (neutral).
FRAF PE vs Financial Services Sector
| Metric | FRAF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 78 | 63 | 15 pts above |
FRAF is trading at 11x earnings, a 13% discount to the Financial Services sector's median of 13x.
FRAF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $65.6 | 6.4% above |
| 20 week MA | $64.0 | 9% above |
| 50 week MA | $58.0 | 20% above |
| 100 week MA | $48.8 | 43% above |
| 200 week MA | $39.3 | 78% above |
FRAF is in an uptrend: it's above all five of its weekly moving averages, and 78% above its 200-week average.
FRAF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.7 | $30.0 | -22% |
| 2021 | $30.0 | $33.3 | +11% |
| 2022 | $33.3 | $32.0 | -4% |
| 2023 | $32.0 | $31.6 | -1.4% |
| 2024 | $31.6 | $30.2 | -4.2% |
| 2025 | $30.2 | $51.0 | +69% |
| 2026 YTD | $51.0 | $69.8 | +37% |
FRAF is up 37% so far in 2026, after finishing lower in four of the previous six years.