Franklin Financial Services Corp (FRAF) stock
FRAFNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 15/3021% above fair value
$69.78−0.10 (-0.14%)
Close on Nov 12, 2026Market cap $313.98MP/E 11.3Yield 1.88%
Franklin Financial Services statistics
84 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, after the close)
- Last ex-dividend date
- Nov 6, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.86
- 1.52
- P/OCF Ratio
- 6.61
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 1.22
- 2.95
Share statisticsIndustry
- Shares Change (YoY)
- 0.61%
- 0.35%
- Shares Change (QoQ)
- 0.15%
- 0.00%
- Float
- 4M
- 17M
- Shares Held by Insiders
- 7.98%
- 6.05%
- Shares Held by Institutions
- 37.5%
- 61.3%
Short sellingIndustry
- Short Interest
- 246,207
- –
- Short Interest Change
- -4.13%
- -4.13%
- Short % of Float
- 5.95%
- 3.58%
- Short % of Shares Outstanding
- 5.47%
- 3.18%
- Days to Cover
- 4.00
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $73.69
- –
- 52-Week Low
- $45.16
- –
- 20-Day Moving Average
- $67.57
- –
- 50-Day Moving Average
- $64.86
- –
- 200-Day Moving Average
- $59.03
- –
- Average True Range (14)
- $1.93
- –
- Price Change (1 Week)
- 0.33%
- 0.51%
- Price Change (1 Month)
- 10.9%
- 4.83%
- Price Change (3 Months)
- 8.93%
- -3.58%
- Price Change (6 Months)
- 23.9%
- 10.8%
- Price Change (YTD)
- 39.0%
- 19.6%
- Price Change (1 Year)
- 43.4%
- 25.4%
- Price Change (3 Years)
- 105.8%
- 76.7%
- Price Change (5 Years)
- 116.6%
- 26.5%
- Price Change (10 Years)
- 179.7%
- 67.0%
- Average Volume (10 Days)
- 60,604
- –
- Average Volume (20 Days)
- 59,291
- –
- Average Volume (90 Days)
- 42,479
- –
- Relative Volume
- 0.91
- 0.67
- Relative Strength Index (14)
- 62.2
- 52.6
- Volatility (1 Year)
- 29.7%
- 24.4%
- Beta (5 Years)
- 0.24
- 0.63
MarginsIndustry
- Pretax Margin
- 32.4%
- 36.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 16.2%
- 10.8%
- Return on Assets (ROA)
- 1.19%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 15.7%
- 11.8%
- Net Income Growth (YoY)
- 77.6%
- 22.7%
- EPS Growth (YoY)
- 77.1%
- 21.6%
- Revenue Growth (3Y CAGR)
- 9.94%
- 5.82%
- Revenue Growth (5Y CAGR)
- 9.26%
- 6.17%
- EPS Growth (3Y CAGR)
- 12.2%
- 1.31%
- EPS Growth (5Y CAGR)
- 10.1%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $349.42K
- $359.04K
- Profits Per Employee
- $90.93K
- $110.51K
- Employee Count
- 306
- 492
- WACC
- 7.38%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $34.69M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $183.60M
- $166.15M
- Net Cash Per Share
- $40.80
- $8.19
- Equity (Book Value)
- $177.71M
- $570.13M
- Book Value Per Share
- $39.49
- $28.22
- Tangible Book Value
- $168.70M
- $478.27M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 8.86%
- 8.32%
- Dividend Yield
- 1.88%
- 2.44%
- Buyback Yield
- 0.44%
- 1.80%
- Shareholder Yield
- 2.31%
- 3.22%
- Dividend Per Share
- $1.31
- $0.92
- Dividend Growth (YoY)
- 2.34%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 21.6%
- 29.0%
Taxes and interestIndustry
- Income Tax
- $6.87M
- $16.14M
- Effective Tax Rate
- 19.8%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $74.23
- $45.31
- Graham Upside
- 6.37%
- 18.8%
- Altman Z-Score
- 0.23
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $62.61
- –
- Lynch Upside
- -10.3%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FRAF | S&P 500 | Difference | FRAF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +10.2% | -2.7% | +12.9 pts | ||
| 3 months | +9.3% | -1.7% | +11.0 pts | ||
| Year to date | +42.3% | +11.9% | +30.4 pts | ||
| 1 year | +46.3% | +12.0% | +34.4 pts | ||
| 3 years | +126.5% | +78.2% | +48.3 pts | +31.3% | +21.2% |
| 5 years | +158.8% | +73.2% | +85.6 pts | +20.9% | +11.6% |
| 10 years | +297.2% | +309.6% | −12.4 pts | +14.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FRAF shares were sold short on Oct 30, 2026, down 4.1% from the previous report, or 5.95% of the shares available to trade. At recent volumes it would take 4.0 days to buy them back. Over the last 20 sessions, 63.2% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 246,207 | -4.1% | 61,501 | 4.0 |
| Oct 15, 2026 | 256,803 | +5.7% | 39,323 | 6.5 |
| Sep 30, 2026 | 243,028 | +12.7% | 41,993 | 5.8 |
| Sep 15, 2026 | 215,646 | +20.3% | 41,481 | 5.2 |
| Aug 31, 2026 | 179,278 | +9.3% | 30,063 | 6.0 |
| Aug 14, 2026 | 163,995 | +10.8% | 30,221 | 5.4 |
| Jul 31, 2026 | 147,985 | +27.5% | 41,347 | 3.6 |
| Jul 15, 2026 | 116,095 | +13.8% | 44,520 | 2.6 |
| Jun 30, 2026 | 102,006 | +76.3% | 38,914 | 2.6 |
| Jun 15, 2026 | 57,861 | +1.4% | 21,444 | 2.7 |
| May 29, 2026 | 57,049 | +3.3% | 26,656 | 2.1 |
| May 15, 2026 | 55,229 | -10.0% | 27,120 | 2.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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