# Franklin Financial Services Corporation (FRAF)

- Sector: Financials · Industry: Banks Regional
- SEC CIK: 0000723646 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000723646))
- Full page: https://inspectstocks.com/stocks/fraf
- Data as of: price 2026-09-25; newest filing used 2026-08-10; latest fiscal period ended 2026-06-30

## Grade

**A** on the balance-sheet rubric used for lenders, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $24.6M |  |
| Earnings growing overall | passed | $24.6M | $14.6M |
| Earnings growing recently | passed | $24.6M | $21.2M |
| Earns well on its assets | passed | 1.1% |  |
| Book value per share growing | passed | $39.15 | $25.69 |

Business quality (the + / − mark): 6 of 8 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 26.0% |  |
| Healthy profit margin | passed | 26.0% |  |
| Good return on equity | failed | 14.1% |  |
| Debt under control | passed | 0.02 |  |
| Turns sales into cash | passed | 26.0% |  |
| Earns a wide spread on lending | passed | 3.3% |  |
| Runs the bank efficiently | failed | 64.1% |  |
| Credit losses well covered | passed | 3.5% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $94.7M |
| Net income, trailing twelve months | $24.6M |
| Free cash flow, trailing twelve months | $24.6M |
| Net margin | 26.0% |
| Return on equity | 14.1% |
| Debt to equity | 0.02 |
| Diluted EPS, trailing twelve months | $5.49 |
| Share price | $62.65 |
| Market value | $281.9M |
| Price / earnings | 11.4x |
| Price / sales | 3.0x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/fraf)
- [Financial statements](https://inspectstocks.com/stocks/fraf/financials)
- [Competitors](https://inspectstocks.com/stocks/fraf/peers)
- [Earnings](https://inspectstocks.com/stocks/fraf/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.