FRAFNasdaqState Commercial BanksFiscal year ends December 31
FRANKLIN FINANCIAL SERVICES CORP /PA/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$62.34−0.41 (-0.65%)
Close on Oct 19, 2026
- Market cap
- $280.72M
- P/E (TTM)
- 11.3
- Dividend yield
- 2.10%
Franklin Financial Services statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Market Cap | $280.50M | $679.86M |
| Enterprise Value | $85.47M | $418.07M |
| PE Ratio | 11.33 | 12.00 |
| PS Ratio | 2.96 | 3.62 |
| PB Ratio | 1.53 | 1.18 |
| P/TBV Ratio | 1.60 | 1.42 |
| P/OCF Ratio | 6.64 | 10.04 |
Enterprise value
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| EV / Sales | 0.90 | 2.78 |
Income (trailing twelve months)
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Revenue | $94.69M | $170.85M |
| Pretax Income | $30.69M | $70.12M |
| Net Income | $24.65M | $54.33M |
| EPS (Diluted) | $5.50 | $2.90 |
Margins
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Pretax Margin | 32.4% | 36.4% |
| Profit Margin | 26.0% | 29.1% |
Returns
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 14.4% | 10.5% |
| Return on Assets (ROA) | 1.07% | 1.12% |
Growth
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 22.3% | 11.8% |
| Net Income Growth (YoY) | 69.6% | 23.1% |
| EPS Growth (YoY) | 68.7% | 22.7% |
| Revenue Growth (3Y CAGR) | 9.94% | 5.82% |
| Revenue Growth (5Y CAGR) | 9.26% | 6.17% |
| EPS Growth (3Y CAGR) | 12.2% | 1.26% |
| EPS Growth (5Y CAGR) | 10.1% | 8.24% |
Balance sheet
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $195.03M | $205.54M |
| Net Cash (Debt) | $195.03M | $164.40M |
| Net Cash Per Share | $43.34 | $8.13 |
| Equity (Book Value) | $183.85M | $560.44M |
| Book Value Per Share | $40.86 | $28.47 |
| Tangible Book Value | $174.83M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Operating Cash Flow | $42.27M | $61.20M |
Efficiency
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $309.45K | $357.09K |
| Profits Per Employee | $80.54K | $107.23K |
| Employee Count | 306 | 528 |
Dividends and yields
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Earnings Yield | 8.79% | 8.07% |
| Dividend Yield | 2.10% | 2.48% |
| Buyback Yield | 0.51% | 1.52% |
| Shareholder Yield | 2.61% | 3.13% |
| Dividend Per Share | $1.31 | $0.93 |
| Dividend Growth (YoY) | 2.34% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 24.2% | 29.4% |
Shares
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Shares Outstanding | 4,499,580 | 18,910,300 |
| Shares Change (YoY) | 0.88% | 0.39% |
| Shares Change (QoQ) | 0.02% | 0.00% |
| Float | 4,140,590 | 16,895,350 |
| Shares Held by Insiders | 7.98% | 5.92% |
| Shares Held by Institutions | 37.5% | 61.9% |
Taxes
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Income Tax | $6.05M | $14.50M |
| Effective Tax Rate | 19.7% | 21.1% |
Scores
| Measure | Franklin Financial Services | Industry median |
|---|---|---|
| Graham Number | $71.11 | $45.31 |
| Graham Upside | 14.1% | 21.6% |
| Altman Z-Score | 0.22 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Franklin Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.