Growth & profitability
- Free cash flow has declined 0.1% per year over the past 5 years.
Shareholder returns
- Dividends have been paid for 15 consecutive years, consuming 27.5% of earnings.
- The dividend has grown 2.3% per year over the past 5 years.
FRAF Financials FRANKLIN FINANCIAL SERVICES CORP /PA/
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $21M | — | — | 12.1% | 0.9% | — | — | $128M |
| 2024 | — | $11M | — | — | 7.7% | 0.5% | — | — | $204M |
| 2023 | — | $14M | — | — | 10.3% | 0.7% | — | — | $23M |
| 2022 | — | $15M | — | — | 13.1% | 0.9% | — | — | $65M |
| 2021 | — | $20M | — | — | 12.5% | 1.1% | — | — | $175M |
| 2020 | — | $13M | — | — | 8.8% | 0.8% | — | — | $57M |
| 2019 | — | $16M | — | — | 12.6% | 1.3% | — | — | $84M |
| 2018 | — | $6M | — | — | 5.2% | 0.5% | — | — | $53M |
| 2017 | — | $2M | — | — | 1.9% | 0.2% | — | — | $59M |
| 2016 | — | $8M | — | — | 6.9% | 0.7% | $14M | — | $37M |
| 2015 | — | $10M | — | — | 9.2% | 1.0% | $12M | — | $39M |
| 2014 | — | $8M | — | — | 8.1% | 0.8% | — | — | $49M |
| 2013 | — | $6M | — | — | 6.5% | 0.6% | — | — | $41M |
| 2012 | — | $5M | — | — | 5.9% | 0.5% | $8M | — | $78M |
| 2011 | — | $7M | — | — | 7.5% | 0.7% | $14M | — | $34M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $7M | — | — | 3.6% | 0.3% | — | — | $195M |
| Mar '26 | — | $7M | — | — | 3.7% | 0.3% | — | — | $211M |
| Dec '25 | — | $6M | — | — | 3.4% | 0.3% | — | — | $128M |
| Sep '25 | — | $5M | — | — | 3.2% | 0.2% | — | — | $188M |
| Jun '25 | — | $6M | — | — | 3.8% | 0.3% | — | — | $208M |
| Mar '25 | — | $4M | — | — | 2.6% | 0.2% | — | — | $225M |
| Dec '24 | — | $487000 | — | — | 0.3% | 0.0% | — | — | $204M |
| Sep '24 | — | $4M | — | — | 2.8% | 0.2% | — | — | $236M |
| Jun '24 | — | $3M | — | — | 2.2% | 0.1% | — | — | $180M |
| Mar '24 | — | $3M | — | — | 2.5% | 0.2% | — | — | $183M |
| Dec '23 | — | $3M | — | — | 2.6% | 0.2% | — | — | $23M |
| Sep '23 | — | $4M | — | — | 3.4% | 0.2% | — | — | $74M |
| Jun '23 | — | $3M | — | — | 2.5% | 0.2% | — | — | $65M |
| Mar '23 | — | $3M | — | — | 2.7% | 0.2% | — | — | $87M |
| Dec '22 | — | $4M | — | — | 3.3% | 0.2% | — | — | $65M |
| Sep '22 | — | $5M | — | — | 4.3% | 0.3% | — | — | $210M |
| Jun '22 | — | $4M | — | — | 2.9% | 0.2% | — | — | $198M |
| Mar '22 | — | $3M | — | — | 2.2% | 0.2% | — | — | $174M |
| Dec '21 | — | $4M | — | — | 2.3% | 0.2% | — | — | $175M |
| Sep '21 | — | $6M | — | — | 3.8% | 0.3% | — | — | $99M |
Valuation over time
How the market has priced FRAF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 9.0× (Mar '23) to 13.4× (Sep '26).
- The dividend yield has fallen from 4.2% (Mar '23) to 2.1% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is FRAF growing its revenue and profit?
See the revenue and net-income charts above for FRANKLIN FINANCIAL SERVICES CORP /PA/'s multi-year trend.
How much debt does FRAF have?
As of FY2025, FRANKLIN FINANCIAL SERVICES CORP /PA/ reported — of total debt against $128M of cash.
What is FRAF's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is FRAF's P/E ratio?
As of Sep '26, FRANKLIN FINANCIAL SERVICES CORP /PA/ traded at a price-to-earnings ratio of about 13.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.