Stocks · Financial Services · Banks - Regional
Franklin Financial Services Corporation FRAF
$63.16 +1.38% Close, Oct 2, 2026 · NASDAQ · Market cap $283.8M
Strong growthStrong trend
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.49, up 68.4% year over year.
- Operating margin widened to 22.7% from 14.6% a year earlier.
- The stock is in an uptrend: above its 200-day average for 324 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 37%
- EPS growth (TTM, YoY)Top 16%
- FCF growth (TTM, YoY)Top 24%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationBottom 28%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 27%
- Gross marginTop 45%
- Operating marginTop 48%
- Cash conversion (OCF / net income)Top 24%
- Accruals (lower is better)Top 37%
- Net debt / EBITDA (lower is better)Top 42%
- Interest coverBottom 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 28%
- Free-cash-flow yieldTop 20%
- EBITDA / enterprise valueTop 25%
- Sales / enterprise valueTop 30%
- P/E vs own 5-year history (lower is better)Bottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 18%
- 1-year return vs S&P 500Top 13%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 42%
- Consecutive EPS beatsTop 42%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsTop 41%
- Beta vs S&P 500 (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Top 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.4% | 10.7% | ↓ |
| EPS growth (YoY) | 105.4% | 68.4% | ↓ |
| Gross margin | 60.4% | 67.4% | ↑ |
| Operating margin | 14.6% | 22.7% | ↑ |
| FCF margin | 20.0% | 30.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.7% | 14.4% | ↓ | Top 37% |
| EPS growth (TTM, YoY) | 68.4% | 105.4% | ↓ | Top 16% |
| Gross margin | 67.4% | 60.4% | ↑ | Top 45% |
| Operating margin | 22.7% | 14.6% | ↑ | Top 48% |
| Net margin | 18.2% | 11.9% | ↑ | — |
| Free-cash-flow margin | 30.4% | 20.0% | ↑ | — |
| Return on invested capital | 5.9% | — | Top 27% | |
| Revenue growth, 3-year CAGR | 23.9% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.71×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.61×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.10%
- Net buyback yield (TTM)
- 0.09%
- Shareholder yield
- 2.19%
- Share count change, 1 year
- +1.6%
- Share count change, 3-year CAGR
- +0.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 2 of 2
- Average EPS surprise, last 4
- +6.3%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +2.1% | -0.8% | +0.5% | -1.1% | — |
| Apr 23, 2026 | +10.4% | -0.2% | -1.8% | +1.0% | +11.7% |
| Jan 27, 2026 | — | -0.1% | +6.6% | +7.0% | +16.4% |
| Oct 28, 2025 | — | +0.1% | -2.4% | +12.7% | +2.8% |
| Jul 22, 2025 | — | +3.6% | +4.2% | +4.5% | +13.0% |
| Apr 29, 2025 | — | -0.7% | -1.6% | -1.4% | +9.3% |
| Jan 28, 2025 | — | -0.4% | +3.5% | +11.7% | +19.5% |
| Oct 22, 2024 | — | -0.7% | +1.9% | +11.8% | +12.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $1.47 | $1.44 | +2.1% | $24.7M |
| Apr 23, 2026 | $1.48 | $1.34 | +10.4% | $24.1M |
| Jan 27, 2026 | $1.35 | — | — | $23.5M |
| Oct 28, 2025 | $1.19 | — | — | $34.1M |
| Jul 22, 2025 | $1.32 | — | — | $33.4M |
| Apr 29, 2025 | $0.88 | — | — | $31.3M |
| Jan 28, 2025 | $0.11 | — | — | $26.8M |
| Oct 22, 2024 | $0.95 | — | — | $30.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.5× | 9.6× | 81th | Top 28% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 9.3× | — | — | Top 25% |
| EV / Sales | 2.25× | — | — | Top 30% |
| Free-cash-flow yield | 14.45% | — | — | Top 20% |
| Earnings yield | 8.69% | — | — | Top 28% |
P/E over the past five years
Range 7.0× – 15.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.6%
- Earnings per share growth (TTM)
- +68.4%
- Change in P/E multiple
- -14.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 324
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- +0.4%
- Distance from 200-day average
- +11.0%
- RSI (14)
- 52.7
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.8%
- Volatility vs own 5-year history
- 25th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.54
- Correlation with S&P 500
- 0.26
- Current drawdown from 1-year high
- -1.7%
- Maximum drawdown, 3 years
- -26.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 30, 2022 | May 4, 2023 | -32.5% | 85 days | 440 days (Feb 5, 2025) |
| Mar 28, 2022 | Jun 17, 2022 | -17.8% | 57 days | 135 days (Dec 30, 2022) |
| Dec 18, 2025 | Feb 5, 2026 | -16.3% | 32 days | 43 days (Apr 9, 2026) |
| Apr 23, 2025 | Jun 18, 2025 | -14.3% | 39 days | 20 days (Jul 18, 2025) |
| Dec 18, 2020 | Feb 18, 2021 | -14.0% | 40 days | 11 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $283.8M
- P/E (TTM)
- 11.5
- EPS, diluted (TTM)
- $5.49
- Revenue (TTM)
- $135.1M
- Dividend yield
- 2.12%
- 52-week range
- $43.47 – $65.41
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $64.0M | $70.3M | $90.4M | $113.8M | $133.5M |
| Gross profit | $63.2M | $64.8M | $64.5M | $67.9M | $85.9M |
| Operating income | $23.0M | $17.5M | $15.8M | $13.3M | $26.3M |
| Net income | $19.6M | $14.9M | $13.6M | $11.1M | $21.2M |
| EPS (diluted) | $4.42 | $3.36 | $3.10 | $2.51 | $4.74 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.6M | $26.8M | $31.3M | $33.4M | $34.1M | $33.7M | $33.1M | $34.1M |
| Net income | $4.2M | $487,000 | $3.9M | $5.9M | $5.4M | $6.0M | $6.6M | $6.6M |
| EPS (diluted) | $0.95 | $0.11 | $0.88 | $1.32 | $1.19 | $1.35 | $1.48 | $1.47 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $26.3M | $25.2M | $26.6M | $21.8M | $25.4M |
| Capital expenditure | -$8.8M | -$12.2M | -$499,000 | -$2.6M | -$866,000 |
| Free cash flow | $17.5M | $13.0M | $26.1M | $19.2M | $24.6M |
| Dividends paid | -$5.5M | -$5.7M | -$5.6M | -$5.6M | -$5.8M |
| Net share buybacks | $1.2M | -$1.9M | -$992,000 | $1.0M | $407,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $647.4M
- Total assets
- $2.34B
- Total liabilities
- $2.15B
- Total debt
- $215.1M
- Net debt
- $20.1M
- Shareholders’ equity
- $183.8M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.34 | Aug 26, 2026 |
| May 1, 2026 | $0.34 | May 27, 2026 |
| Feb 6, 2026 | $0.33 | Feb 25, 2026 |
| Nov 7, 2025 | $0.33 | Nov 26, 2025 |
| Aug 1, 2025 | $0.33 | Aug 27, 2025 |
| May 2, 2025 | $0.33 | May 28, 2025 |
| Feb 7, 2025 | $0.32 | Feb 26, 2025 |
| Nov 1, 2024 | $0.32 | Nov 27, 2024 |
Short interest
- Shares sold short
- 215,646
- Days to cover
- 5.20
- Change vs previous report
- +20.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 29, 2004
- 5-for-4
- Feb 4, 1998
- 3-for-2
- Jan 2, 1996
- 3-for-2