FRAF
Franklin Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: FRAF
- PE Ratio
As at Jun 3, 2026, the FRAF stock has a price-to-earnings ratio of 10.46. This is based on the current EPS of $5.35 and the stock price of $55.98 per share. A decrease of 4.5% has been recorded in the PE ratio compared to the average of 11.0 of the last four quarters.
FRAF PE ratio history
The mean historical PE ratio of Franklin Financial Services over the last ten years is 13.96. The current 10.46 P/E ratio is 25% lower than the historical average. In the past ten years, FRAF's PE ratio peaked in the Dec 2017 quarter at 74.72, with a price of $37.36 and an EPS of $0.5. The Sep 2021 quarter marked the lowest point at 6.83, with a price of $31.77 and an EPS of $4.65.
Franklin Financial Services PE ratio by year
Maximum annual increase: 391.26% in 2017
Maximum annual decrease: -69.89% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.55 | -11.12% | $50.2 | $4.76 |
| 2024 | 11.87 | 17.06% | $29.9 | $2.52 |
| 2023 | 10.14 | -5.06% | $31.55 | $3.11 |
| 2022 | 10.68 | 43.36% | $36.1 | $3.38 |
| 2021 | 7.45 | -18.93% | $33.1 | $4.44 |
| 2020 | 9.19 | -12.56% | $27.03 | $2.94 |
| 2019 | 10.51 | -53.29% | $38.69 | $3.68 |
| 2018 | 22.5 | -69.89% | $31.5 | $1.4 |
| 2017 | 74.72 | 391.26% | $37.36 | $0.5 |
| 2016 | 15.21 | 55.36% | $28.6 | $1.88 |
| 2015 | 9.79 | -10.59% | $23.5 | $2.4 |
| 2014 | 10.95 | -3.27% | $22 | $2.01 |
| 2013 | 11.32 | 6.69% | $17.1 | $1.51 |
| 2012 | 10.61 | 42.61% | $14 | $1.32 |
| 2011 | 7.44 | -20.09% | $12.35 | $1.66 |
Franklin Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9.55 | -9.48% | $51.08 | $5.35 |
| Dec 2025 | 10.55 | -19.53% | $50.2 | $4.76 |
| Sep 2025 | 13.11 | 23.8% | $46 | $3.51 |
| Jun 2025 | 10.59 | -21.73% | $34.63 | $3.27 |
| Mar 2025 | 13.53 | 13.98% | $35.45 | $2.62 |
| Dec 2024 | 11.87 | 26.01% | $29.9 | $2.52 |
| Sep 2024 | 9.42 | 4.2% | $30.13 | $3.2 |
| Jun 2024 | 9.04 | 8.39% | $28.28 | $3.13 |
| Mar 2024 | 8.34 | -17.75% | $26.2 | $3.14 |
| Dec 2023 | 10.14 | 12.79% | $31.55 | $3.11 |
| Sep 2023 | 8.99 | 7.92% | $28.5 | $3.17 |
| Jun 2023 | 8.33 | -3.03% | $27.74 | $3.33 |
| Mar 2023 | 8.59 | -19.57% | $29.64 | $3.45 |
| Dec 2022 | 10.68 | 13.74% | $36.1 | $3.38 |
| Sep 2022 | 9.39 | 13% | $31.56 | $3.36 |
FRAF Price vs fair value
FRAF average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
FRAF's current P/E ratio is above the 3 and 5-year averages, but it is lower than the 10-year average.
PE comparison
Franklin Financial Services's P/E of 10.46 is below the Financial Services sector, the industry and its peers average. In comparison with its Financial Services sector average of 12.1, Franklin Financial Services's P/E is 14% lower.
FRAF PE vs peers
In comparison to its peers WSBC and CZNC, FRAF's PE ratio is lower, but it is higher than CUBI's and TMP's. Franklin Financial Services's PE ratio is trading below the peer group average of 10.83.
| Stock name | PE ratio | Market cap |
|---|---|---|
| TMP Tompkins Financial Corp | 7.38 | $1.25B |
| CUBI Customers Bancorp Inc | 9.16 | $2.53B |
| MBWM Mercantile Bank Corp | 9.43 | $909.15M |
| CIVB Civista Bancshares Inc | 9.62 | $542.03M |
| FRAF Franklin Financial Services Corp. | 10.84 | $260.6M |
| WSBC Wesbanco Inc | 11.06 | $3.33B |
| UBCP United Bancorp Inc | 11.91 | $92.93M |
| CZNC Citizens & Northern Corp | 19.35 | $374.46M |
| EGBN Eagle Bancorp Inc | N/A | $827.65M |
| HBNC Horizon Bancorp Inc | N/A | $961.41M |
Frequently asked questions
What is Franklin Financial Services's PE ratio?
The price to earnings ratio for FRAF stock as of Jun 3, 2026, stands at 10.46.
What is the 3-year average PE ratio for Franklin Financial Services (FRAF)?
The average PE ratio for FRAF stock over the past 3 years is 10.29.
What is the 5-year average PE ratio for Franklin Financial Services (FRAF)?
The average PE ratio for FRAF stock over the past 5 years is 9.54.
What is the highest PE ratio for FRAF?
In the last ten years, the Dec 2017 quarter recorded the highest quarterly PE ratio at 74.72.
How does the current PE ratio for FRAF compare to its historical average?
FRAF's current price to earnings ratio is 25% below its 10-year historical average.
How is FRAF's PE ratio calculated (Franklin Financial Services PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 3, 2026), Franklin Financial Services's stock price is $55.98. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $5.35. Therefore, Franklin Financial Services's PE ratio for today is 10.46. PE RATIO(10.46) = STOCK PRICE($55.98) / TTM EPS($5.35)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.