Franklin Financial Services CorporationFranklin Financial Services CorporationFranklin Financial Services Corporation

Franklin Financial Services Corporation

34.48USDR
−0.14−0.40%
At close at Jun 27, 21:50 GMT
USD
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FRAF fundamentals

Key facts

Market capitalization‪153.72 M‬USD
Founded1983
CEOCraig W. Best
About

Franklin Financial Services Corp. is a bank holding company, which engages in financial services and offers traditional banking. It offers commercial and retail financial services, including the taking of time, savings and demand deposits, the making of commercial, consumer and mortgage loans, and the providing of safe deposit services. The company was founded on June 1, 1983 and is headquartered in Chambersburg, PA.

Ownership
‪‪4.46 M‬‬
Free Float shares
‪‪4.13 M‬‬ (92.65%)
Closely held shares
‪‪327.56 K‬‬ (7.35%)
Free Float shares
‪‪4.13 M‬‬ (92.65%)
Closely held shares
‪‪327.56 K‬‬ (7.35%)
Capital structure
Market cap
‪‪153.72 M‬‬
Debt
‪‪223.96 M‬‬
Cash & equivalents
‪‪23.28 M‬‬
Enterprise value
‪‪354.41 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪153.72 M‬‬
Price to earning ratio (P/E)
13.27x
Price to sales ratio (P/S)
1.30x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
13.27x
Price to sales ratio (P/S)
1.30x
Valuation ratios
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪1.5%‬
‪5.0%‬
‪8.5%‬
‪12.0%‬
‪15.5%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪8.00 M‬‬
‪‪16.00 M‬‬
‪‪24.00 M‬‬
‪‪32.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪8.00 M‬‬
‪‪16.00 M‬‬
‪‪24.00 M‬‬
‪‪32.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪8.00 M‬‬
‪‪16.00 M‬‬
‪‪24.00 M‬‬
‪‪32.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Community Banking
Wealth
Unallocated
By country
Period: 2024
United States

Dividends

Dividend yield, history and sustainability

Dividend summary
49.05%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
3.74%
Last payment
0.33
Last ex-date
May 2, 2025
Last pay date
May 28, 2025
Dividend history
‪3.50%‬
‪3.75%‬
‪4.00%‬
‪4.25%‬
‪4.50%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−700.00 M‬‬
‪0.00‬
‪‪700.00 M‬‬
‪‪1.40 B‬‬
‪‪2.10 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪4.00‬
‪8.00‬
‪12.00‬
‪16.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio