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Ticker
FRAF

Price
55.32
Stock movement up
+1.18 (2.17%)
Company name
Franklin Financial Services Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
247.78M
Ent value
2.19B
Price/Sales
1.97
Price/Book
1.49
Div yield
2.39%
Div growth
1.81%
Growth years
6
FCF payout
-
Trailing P/E
15.81
Forward P/E
-
PEG
-
EPS growth
-7.26%
1 year return
64.69%
3 year return
-
5 year return
-
10 year return
-
Last updated: 2025-12-12

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.32
Dividend yield2.39%
Payout frequencyQuarterly
Maximum yield4.56%
Average yield3.43%
Minimum yield2.39%
Discount to avg yield-43.90%
Upside potential-30.51%
Yield as % of max yield52.35%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.39%
Current yield distribution99.66%
Yield at 100% (Min)2.39%
Yield at 90%2.77%
Yield at 80%2.90%
Yield at 50% (Median)3.43%
Yield at 20%3.84%
Yield at 10%4.03%
Yield at 0% (Max)4.56%

Dividend per share

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Dividend per share data
Years of growth6 years
CCC statusDividend Challenger
Dividend per share1.32
Payout frequencyQuarterly
Ex-div date7 Nov 2025
EPS (TTM)-
EPS (1y forward)-
EPS growth (5y)-7.26%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FRAFS&P500
DGR MR3.13%-13.74%
DGR TTM2.34%6.60%
DGR 3 years0.79%7.31%
DGR 5 years1.81%4.69%
DGR 10 years6.53%6.30%
DGR 15 years1.14%8.16%
Time since last change announced247 days
EPS growth (5y)-7.26%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM--
Average45.91%29.14%
Forward--

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E15.81
Price to OCF9.36
Price to FCF9.83
Price to EBITDA11.54
EV to EBITDA101.99

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.97
Price to Book1.49
EV to Sales17.43

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count4.48M
EPS (TTM)-
FCF per share (TTM)-

Income statement

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Income statement data
Revenue (TTM)-
Gross profit (TTM)-
Operating income (TTM)-
Net income (TTM)-
EPS (TTM)-
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)-
Operating margin (TTM)-
Profit margin (TTM)-

Balance Sheet

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Balance Sheet data
Cash189.14M
Net receivables0.00
Total current assets271.53M
Goodwill9.02M
Intangible assets0.00
Property, plant and equipment32.17M
Total assets2.30B
Accounts payable0.00
Short/Current long term debt214.81M
Total current liabilities1.90B
Total liabilities2.13B
Shareholder's equity166.34M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)-
Capital expenditures (TTM)-
Free cash flow (TTM)-
Dividends paid (TTM)-

Financial returns

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Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open54.36
Daily high55.69
Daily low54.18
Daily Volume84K
All-time high55.32
1y analyst estimate-
Beta-0.09
EPS (TTM)-
Dividend per share1.32
Ex-div date7 Nov 2025
Next earnings date27 Jan 2026

Downside potential

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Downside potential data
FRAFS&P500
Current price drop from All-time high-1.17%-0.55%
Highest price drop-28.69%-19.00%
Date of highest drop10 Jan 20258 Apr 2025
Avg drop from high-8.74%-2.64%
Avg time to new high10 days6 days
Max time to new high132 days89 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FRAF (Franklin Financial Services Corp) company logo
Marketcap
247.78M
Marketcap category
Small-cap
Description
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 businesses, individuals, governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
Employees
0
Investor relations
SEC filings
CEO
Timothy G. Henry
Country
USA
City
Chambersburg
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
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