Franklin Finl Svcs Corp Financials

FRAF

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Franklin Finl Svcs Corp (FRAF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

Franklin Finl Svcs Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.96x

For every $1 of reported earnings, Franklin Finl Svcs Corp generates $1.96 in operating cash flow ($21.8M OCF vs $11.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$101.5M

YoY+32.2%

5Y CAGR+15.6%

10Y CAGR+11.3%

Franklin Finl Svcs Corp generated $101.5M in revenue in fiscal year 2024. This represents an increase of 32.2% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$11.1M

YoY-18.4%

5Y CAGR-7.2%

10Y CAGR+2.8%

Franklin Finl Svcs Corp reported $11.1M in net income in fiscal year 2024. This represents a decrease of 18.4% from the prior year.

EPS (Diluted)

$2.51

YoY-19.0%

5Y CAGR-7.3%

10Y CAGR+2.3%

Franklin Finl Svcs Corp earned $2.51 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 19.0% from the prior year.

Cash & Debt

$203.6M

YoY+779.9%

5Y CAGR+19.4%

10Y CAGR+15.4%

Franklin Finl Svcs Corp held $203.6M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.28

YoY+0.0%

5Y CAGR+1.8%

10Y CAGR+6.5%

Franklin Finl Svcs Corp paid $1.28 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+1.3%

5Y CAGR+0.3%

10Y CAGR+0.5%

Franklin Finl Svcs Corp had 4M shares outstanding in fiscal year 2024. This represents an increase of 1.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

10.9%

YoY-6.8pp

5Y CAGR-21.8pp

10Y CAGR-13.2pp

Franklin Finl Svcs Corp's net profit margin was 10.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.8 percentage points from the prior year.

Return on Equity

7.7%

YoY-2.6pp

5Y CAGR-5.0pp

10Y CAGR-0.4pp

Franklin Finl Svcs Corp's ROE was 7.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$827K

YoY-65.5%

5Y CAGR-26.5%

Franklin Finl Svcs Corp spent $827K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 65.5% from the prior year.

Capital Expenditures

N/A

FRAF Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$101.5M+32.2%	$76.8M+36.0%	$56.4M+18.7%	$47.6M+3.6%	$45.9M-6.7%	$49.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$43.9M+90.0%	$23.1M+375.5%	$4.9M+67.6%	$2.9M-27.0%	$4.0M-44.1%	$7.1M
Income Tax	$2.2M+2.8%	$2.2M-15.7%	$2.6M-24.7%	$3.4M+1217.1%	$258K-91.0%	$2.9M
Net Income	$11.1M-18.4%	$13.6M-9.0%	$14.9M-23.8%	$19.6M+53.3%	$12.8M-20.6%	$16.1M
EPS (Diluted)	$2.51-19.0%	$3.10-7.7%	$3.36-24.0%	$4.42+50.9%	$2.93-20.2%	$3.67

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$29.7M+3.8%	$28.6M+5.7%	$27.1M+0.7%	$26.9M+8.6%	$24.7M+3.9%	$23.8M+10.7%	$21.5M+6.7%	$20.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.5M+1.1%	$11.4M-0.8%	$11.5M-2.6%	$11.8M+11.8%	$10.5M+2.6%	$10.3M+34.7%	$7.6M+18.1%	$6.4M
Income Tax	$1.3M-7.5%	$1.4M+58.3%	$890K+2070.7%	$41K-93.7%	$646K+0.3%	$644K+11.6%	$577K-26.8%	$788K
Net Income	$5.4M-9.4%	$5.9M+50.6%	$3.9M+705.3%	$487K-83.9%	$3.0M-9.8%	$3.4M-3.2%	$3.5M-10.1%	$3.9M
EPS (Diluted)	$1.19-9.8%	$1.32+50.0%	$0.88+576.9%	$0.13-80.3%	$0.66-14.3%	$0.77-2.5%	$0.79-10.2%	$0.88

FRAF Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$2.2B+19.7%	$1.8B+8.0%	$1.7B-4.2%	$1.8B+15.6%	$1.5B+20.9%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$203.6M+779.9%	$23.1M-64.3%	$64.9M-62.9%	$175.1M+206.5%	$57.1M-31.8%	$83.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M
Total Liabilities	$2.1B+20.5%	$1.7B+7.5%	$1.6B-1.9%	$1.6B+16.3%	$1.4B+21.7%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$144.7M+9.5%	$132.1M+15.7%	$114.2M-27.3%	$157.1M+8.2%	$145.2M+13.8%	$127.5M
Retained Earnings	$139.5M+4.1%	$134.0M+6.4%	$125.9M+8.0%	$116.6M+13.7%	$102.5M+8.0%	$94.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$2.3B+0.5%	$2.3B+1.3%	$2.3B+2.7%	$2.2B+7.8%	$2.0B+1.4%	$2.0B+9.6%	$1.8B+0.4%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$188.1M-9.5%	$207.8M-7.6%	$225.0M+10.5%	$203.6M+13.3%	$179.7M-1.6%	$182.6M+689.0%	$23.1M-68.7%	$74.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M
Total Liabilities	$2.1B+0.1%	$2.1B+1.1%	$2.1B+2.6%	$2.1B+7.9%	$1.9B+1.3%	$1.9B+10.2%	$1.7B-0.5%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$166.3M+5.7%	$157.4M+3.9%	$151.4M+4.6%	$144.7M+5.8%	$136.8M+1.9%	$134.2M+1.6%	$132.1M+15.1%	$114.8M
Retained Earnings	$150.3M+2.6%	$146.4M+3.1%	$142.0M+1.8%	$139.5M+1.4%	$137.6M+1.2%	$136.0M+1.5%	$134.0M+1.6%	$131.9M

FRAF Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$21.8M-18.1%	$26.6M+5.2%	$25.2M-4.2%	$26.3M+309.5%	$6.4M-66.1%	$19.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$184.4M-3.4%	-$178.3M-87.5%	-$95.1M+29.0%	-$133.9M+51.7%	-$277.3M-1081.0%	-$23.5M
Financing Cash Flow	$343.1M+212.1%	$109.9M+371.9%	-$40.4M-117.9%	$225.6M-7.6%	$244.2M+590.1%	$35.4M
Dividends Paid	$5.6M+0.6%	$5.6M-1.1%	$5.7M+2.4%	$5.5M+5.7%	$5.2M+2.2%	$5.1M
Share Buybacks	$827K-65.5%	$2.4M-28.2%	$3.3M+179.5%	$1.2M+1.9%	$1.2M-69.6%	$3.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$8.3M+61.5%	$5.1M-41.8%	$8.8M+109.1%	$4.2M+73.5%	$2.4M-66.7%	$7.3M+23.3%	$5.9M-18.4%	$7.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$26.9M+42.7%	-$46.9M-22.4%	-$38.3M+56.4%	-$87.8M-179.4%	-$31.4M-73.6%	-$18.1M+60.8%	-$46.2M+49.4%	-$91.3M
Financing Cash Flow	-$1.1M-104.4%	$24.6M-51.6%	$50.8M-0.1%	$50.9M+94.6%	$26.2M-84.6%	$170.2M+1713.5%	-$10.6M-111.3%	$93.2M
Dividends Paid	$1.5M+0.5%	$1.5M+3.7%	$1.4M+0.4%	$1.4M+0.4%	$1.4M+0.6%	$1.4M+0.1%	$1.4M+0.4%	$1.4M
Share Buybacks	$300K+1.4%	$296K+108.5%	$142K-38.5%	$231K-42.4%	$401K+928.2%	$39K	$0	$0

FRAF Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	10.9%-6.8pp	17.7%-8.8pp	26.5%-14.8pp	41.2%+13.4pp	27.9%-4.9pp	32.7%
Return on Equity	7.7%-2.6pp	10.3%-2.8pp	13.1%+0.6pp	12.5%+3.7pp	8.8%-3.8pp	12.6%
Return on Assets	0.5%-0.2pp	0.7%-0.1pp	0.9%-0.2pp	1.1%+0.3pp	0.8%-0.4pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	14.19+1.3	12.90-1.0	13.88+3.6	10.29+0.7	9.57+0.6	8.95
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.0%-2.6pp	20.7%+6.2pp	14.5%+12.7pp	1.8%-10.4pp	12.3%-1.9pp	14.1%-2.0pp	16.1%-3.0pp	19.1%
Return on Equity	3.2%-0.5pp	3.8%+1.2pp	2.6%+2.3pp	0.3%-1.9pp	2.2%-0.3pp	2.5%-0.1pp	2.6%-0.7pp	3.4%
Return on Assets	0.2%-0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.0%-0.1pp	0.1%-0.0pp	0.2%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.81-0.7	13.53-0.4	13.91-0.3	14.19+0.3	13.90-0.1	13.99+1.1	12.90-2.0	14.93
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Franklin Finl Svcs Corp's annual revenue?

Franklin Finl Svcs Corp (FRAF) reported $101.5M in total revenue for fiscal year 2024. This represents a 32.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Franklin Finl Svcs Corp's revenue growing?

Franklin Finl Svcs Corp (FRAF) revenue grew by 32.2% year-over-year, from $76.8M to $101.5M in fiscal year 2024.

Is Franklin Finl Svcs Corp profitable?

Yes, Franklin Finl Svcs Corp (FRAF) reported a net income of $11.1M in fiscal year 2024, with a net profit margin of 10.9%.

What is Franklin Finl Svcs Corp's earnings per share (EPS)?

Franklin Finl Svcs Corp (FRAF) reported diluted earnings per share of $2.51 for fiscal year 2024. This represents a -19.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Franklin Finl Svcs Corp's net profit margin?

Franklin Finl Svcs Corp (FRAF) had a net profit margin of 10.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Franklin Finl Svcs Corp pay dividends?

Yes, Franklin Finl Svcs Corp (FRAF) paid $1.28 per share in dividends during fiscal year 2024.

What is Franklin Finl Svcs Corp's return on equity (ROE)?

Franklin Finl Svcs Corp (FRAF) has a return on equity of 7.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Franklin Finl Svcs Corp's operating cash flow?

Franklin Finl Svcs Corp (FRAF) generated $21.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Franklin Finl Svcs Corp's total assets?

Franklin Finl Svcs Corp (FRAF) had $2.2B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Franklin Finl Svcs Corp buy back shares?

Yes, Franklin Finl Svcs Corp (FRAF) spent $827K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Franklin Finl Svcs Corp have outstanding?

Franklin Finl Svcs Corp (FRAF) had 4M shares outstanding as of fiscal year 2024.

What is Franklin Finl Svcs Corp's debt-to-equity ratio?

Franklin Finl Svcs Corp (FRAF) had a debt-to-equity ratio of 14.19 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Franklin Finl Svcs Corp's return on assets (ROA)?

Franklin Finl Svcs Corp (FRAF) had a return on assets of 0.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Franklin Finl Svcs Corp's Piotroski F-Score?

Franklin Finl Svcs Corp (FRAF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Franklin Finl Svcs Corp's earnings high quality?

Franklin Finl Svcs Corp (FRAF) has an earnings quality ratio of 1.96x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.