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Price (delayed)
$30.75
Market cap
$135.78M
P/E Ratio
9.61
Dividend/share
$1.28
EPS
$3.2
Enterprise value
$163.56M
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized
Highlights
FRAF's equity is up by 31% year-on-year and by 10% since the previous quarter
FRAF's gross profit is up by 8% YoY and by 3.1% from the previous quarter
The debt has soared by 96% year-on-year but it has declined by 13% since the previous quarter
The P/E is 10% higher than the 5-year quarterly average of 8.7 and 4.5% higher than the last 4 quarters average of 9.2
Key stats
What are the main financial stats of FRAF
Market
Valuations
Earnings
Shares outstanding
4.42M
Market cap
$135.78M
Enterprise value
$163.56M
Price to earnings (P/E)
9.61
Price to book (P/B)
0.9
Price to sales (P/S)
1.9
EV/EBIT
9.73
EV/EBITDA
8.66
EV/Sales
2.29
Revenue
$71.52M
Gross profit
$71.52M
Net income
$14.08M
EBIT
$16.82M
EBITDA
$18.89M
Free cash flow
$21.25M
Per share
Balance sheet
Liquidity
EPS
$3.2
EPS diluted
$3.17
Free cash flow per share
$4.82
Book value per share
$34.01
Revenue per share
$16.22
TBVPS
$485.91
Total assets
$2.15B
Total liabilities
$2B
Debt
$264.09M
Equity
$149.93M
Working capital
N/A
Debt to equity
1.76
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.47
Margins
Efficiency
Dividend
EBITDA margin
26.4%
Gross margin
100%
Net margin
19.7%
Operating margin
23.5%
Return on assets
0.7%
Return on equity
10.2%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
23.5%
Dividend yield
4.16%
DPS
$1.28
Payout ratio
40%
FRAF stock price
How has the Franklin Financial Services stock price performed over time
Intraday
-1.44%
1 week
-6.76%
1 month
-8.45%
1 year
-2.1%
YTD
-2.54%
QTD
2.06%
Financial performance
How have Franklin Financial Services's revenue and profit performed over time
Revenue
$71.52M
Gross profit
$71.52M
Operating income
$16.82M
Net income
$14.08M
Gross margin
100%
Net margin
19.7%
FRAF's gross profit is up by 8% YoY and by 3.1% from the previous quarter
The revenue is up by 8% year-on-year and by 3.1% since the previous quarter
The net margin has declined by 6% year-on-year
Franklin Financial Services's operating income has increased by 4.6% YoY and by 2.8% QoQ
Growth
What is Franklin Financial Services's growth rate over time
Valuation
What is Franklin Financial Services stock price valuation
P/E
9.61
P/B
0.9
P/S
1.9
EV/EBIT
9.73
EV/EBITDA
8.66
EV/Sales
2.29
The P/E is 10% higher than the 5-year quarterly average of 8.7 and 4.5% higher than the last 4 quarters average of 9.2
Franklin Financial Services's EPS has increased by 2.2% from the previous quarter
FRAF's equity is up by 31% year-on-year and by 10% since the previous quarter
The P/B is 10% below the 5-year quarterly average of 1.0
FRAF's price to sales (P/S) is 10% lower than its 5-year quarterly average of 2.1
The revenue is up by 8% year-on-year and by 3.1% since the previous quarter
Efficiency
How efficient is Franklin Financial Services business performance
Franklin Financial Services's return on equity has decreased by 13% YoY and by 3.8% QoQ
FRAF's ROA is down by 13% YoY
FRAF's ROIC is down by 11% YoY
Franklin Financial Services's ROS has decreased by 3.3% YoY
Dividends
What is FRAF's dividend history
DPS
$1.28
Dividend yield
4.16%
Payout ratio
40%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Franklin Financial Services financials performed over time
The total assets is 7% more than the total liabilities
The total assets has increased by 18% YoY and by 6% from the previous quarter
Franklin Financial Services's total liabilities has increased by 17% YoY and by 5% from the previous quarter
The debt is 76% greater than the equity
The debt has soared by 96% year-on-year but it has declined by 13% since the previous quarter
Franklin Financial Services's debt to equity has soared by 50% YoY but it has decreased by 21% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.