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

Franklin Finl Svcs Corp (FRAF) reported diluted earnings per share of $4.74 for fiscal year 2025. This represents a 88.8% 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.

Franklin Finl Svcs Corp Financials

FRAF

Trailing 12 months to June 30, 2026

Revenue $115.4M +6.3% YoY

Net Income $24.6M +69.5% YoY

EPS (Diluted) $5.49 +68.9% YoY

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Franklin Finl Svcs Corp (FRAF) reported $115.4M in revenue over the twelve months to Jun 30, 2026, up 6.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FRAF FY2025 2026-08-29

Funding costs absorb a growing financial-services revenue base, while leverage magnifies earnings pressure and recovery.

Revenue more than doubled from FY2021 to FY2025, rising from $47.6M to $114.4M, yet the larger earning base produced only limited cumulative profit expansion. Net income recovered to $21.2M, but interest expense reached $44.7M, making funding cost the key explanation for weak profit conversion. Operating cash flow stayed near $25M across the period while net income swung, indicating cash generation is steadier than accounting earnings.

FY2025 liabilities stood at $2.1B against $175M of equity, a thin capital cushion consistent with a balance sheet funded predominantly by obligations. Debt-to-equity fell from 14.2x in FY2024 to 11.8x as equity rebuilt, reducing leverage without changing the underlying financing model.

FY2025 operating cash flow reached $25.4M while investing outflow was $107.0M; internally generated cash therefore did not fund the full year's balance-sheet deployment. The investing outflow more than halved from FY2024, while financing became near-neutral, pointing to changing capital allocation rather than a consistently cash-funded expansion.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Franklin Finl Svcs Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/6

Franklin Finl Svcs Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.20x

For every $1 of reported earnings, Franklin Finl Svcs Corp generates $1.20 in operating cash flow ($25.4M OCF vs $21.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$114.4M

YoY+12.7%

5Y CAGR+20.0%

10Y CAGR+12.7%

Franklin Finl Svcs Corp generated $114.4M in revenue in fiscal year 2025. This represents an increase of 12.7% from the prior year.

Net Income

$21.2M

YoY+91.2%

5Y CAGR+10.6%

10Y CAGR+7.6%

Franklin Finl Svcs Corp reported $21.2M in net income in fiscal year 2025. This represents an increase of 91.2% from the prior year.

EPS (Diluted)

$4.74

YoY+88.8%

5Y CAGR+10.1%

10Y CAGR+7.0%

Franklin Finl Svcs Corp earned $4.74 per diluted share (EPS) in fiscal year 2025. This represents an increase of 88.8% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$127.7M

YoY-37.3%

5Y CAGR+17.5%

10Y CAGR+12.5%

Franklin Finl Svcs Corp held $127.7M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.31

YoY+2.3%

5Y CAGR+1.8%

10Y CAGR+5.9%

Franklin Finl Svcs Corp paid $1.31 per share in dividends in fiscal year 2025. This represents an increase of 2.3% from the prior year.

Shares Outstanding

YoY+1.0%

5Y CAGR+0.4%

10Y CAGR+0.4%

Franklin Finl Svcs Corp had 4M shares outstanding in fiscal year 2025. This represents an increase of 1.0% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

18.6%

YoY+7.6pp

5Y CAGR-9.3pp

10Y CAGR-10.9pp

Franklin Finl Svcs Corp's net profit margin was 18.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.6 percentage points from the prior year.

Return on Equity

12.1%

YoY+4.4pp

5Y CAGR+3.3pp

10Y CAGR+2.9pp

Franklin Finl Svcs Corp's ROE was 12.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 4.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$1.1M

YoY+33.5%

5Y CAGR-1.2%

Franklin Finl Svcs Corp spent $1.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 33.5% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

FRAF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FRAF quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$115.4M	$114.4M+12.7%	$101.5M+32.2%	$76.8M+36.0%	$56.4M+18.7%	$47.6M+3.6%	$45.9M-6.7%	$49.2M+9.7%	$44.9M+12.5%	$39.9M+7.9%	$37.0M+6.8%	$34.6M-0.5%	$34.8M-3.5%	$36.0M-7.9%	$39.1M-6.3%	$41.8M
SG&A Expenses	$35.6M	$35.3M+7.9%	$32.8M+13.7%	$28.8M+2.6%	$28.1M+13.4%	$24.8M+10.7%	$22.4M+1.1%	$22.1M+10.4%	$20.0M+7.0%	$18.7M+5.9%	$17.7M+2.9%	$17.2M0.0%	$17.2M+3.6%	$16.6M-0.2%	$16.6M+9.4%	$15.2M
Interest Expense	$40.7M	$44.7M+1.8%	$43.9M+90.0%	$23.1M+375.5%	$4.9M+67.6%	$2.9M-27.0%	$4.0M-44.1%	$7.1M+68.8%	$4.2M+69.2%	$2.5M+11.0%	$2.2M-5.3%	$2.4M-25.4%	$3.2M-27.4%	$4.4M-36.5%	$6.9M-24.7%	$9.2M
Income Tax	$6.0M	$5.0M+127.5%	$2.2M+2.8%	$2.2M-15.7%	$2.6M-24.7%	$3.4M+1217.1%	$258K-91.0%	$2.9M+1845.5%	-$165K-104.6%	$3.6M+173.8%	$1.3M-42.7%	$2.3M+13.2%	$2.0M+54.9%	$1.3M	N/A	N/A
Net Income	$24.6M	$21.2M+91.2%	$11.1M-18.4%	$13.6M-9.0%	$14.9M-23.8%	$19.6M+53.3%	$12.8M-20.6%	$16.1M+163.1%	$6.1M+181.5%	$2.2M-73.1%	$8.1M-20.7%	$10.2M+21.4%	$8.4M+34.8%	$6.2M+16.2%	$5.4M-18.3%	$6.6M
EPS (Diluted)	$5.49	$4.74+88.8%	$2.51-19.0%	$3.10-7.7%	$3.36-24.0%	$4.42+50.9%	$2.93-20.2%	$3.67+164.0%	$1.39+178.0%	$0.50-73.4%	$1.88-21.7%	$2.40+20.0%	$2.00+32.5%	$1.51+14.4%	$1.32-20.5%	$1.66

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$28.9M+4.2%	$27.8M-4.4%	$29.0M-2.1%	$29.7M+3.8%	$28.6M+5.7%	$27.1M+0.7%	$26.9M+3.1%	$26.1M
SG&A Expenses	$8.6M-4.5%	$9.0M+2.3%	$8.8M-3.4%	$9.1M+3.0%	$8.9M+4.2%	$8.5M-0.4%	$8.5M+5.7%	$8.1M
Interest Expense	$9.6M+3.6%	$9.2M-11.3%	$10.4M-9.2%	$11.5M+1.1%	$11.4M-0.8%	$11.5M-2.6%	$11.8M+3.1%	$11.4M
Income Tax	$1.6M-2.0%	$1.7M+16.1%	$1.4M+10.3%	$1.3M-7.5%	$1.4M+58.3%	$890K+2070.7%	$41K-95.4%	$885K
Net Income	$6.6M-0.4%	$6.6M+9.8%	$6.0M+12.9%	$5.4M-9.4%	$5.9M+50.6%	$3.9M+705.3%	$487K-88.5%	$4.2M
EPS (Diluted)	$1.47-0.7%	$1.48+9.6%	$1.35+13.4%	$1.19-9.8%	$1.32+50.0%	$0.88+780.0%	$0.10-89.5%	$0.95

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

FRAF Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FRAF quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$2.2B+1.9%	$2.2B+19.7%	$1.8B+8.0%	$1.7B-4.2%	$1.8B+15.6%	$1.5B+20.9%	$1.3B+4.9%	$1.2B+2.5%	$1.2B+4.6%	$1.1B+8.9%	$1.0B+3.4%	$1.0B+1.7%	$984.6M-4.2%	$1.0B+3.7%	$990.2M
Cash & Equivalents	$127.7M-37.3%	$203.6M+779.9%	$23.1M-64.3%	$64.9M-62.9%	$175.1M+206.5%	$57.1M-31.8%	$83.8M+58.3%	$53.0M-9.6%	$58.6M+59.8%	$36.7M-6.4%	$39.2M-19.4%	$48.6M+19.3%	$40.7M-47.7%	$77.8M+128.0%	$34.1M
Goodwill	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$9.0M0.0%	$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+0.5%	$2.1B+20.5%	$1.7B+7.5%	$1.6B-1.9%	$1.6B+16.3%	$1.4B+21.7%	$1.1B+4.6%	$1.1B+2.5%	$1.1B+5.3%	$1.0B+9.4%	$923.9M+2.9%	$897.9M+1.0%	$889.2M-5.0%	$935.7M+3.6%	$903.1M
Total Equity	$175.2M+21.1%	$144.7M+9.5%	$132.1M+15.7%	$114.2M-27.3%	$157.1M+8.2%	$145.2M+13.8%	$127.5M+7.7%	$118.4M+2.8%	$115.1M-1.2%	$116.5M+4.6%	$111.4M+7.6%	$103.5M+8.5%	$95.4M+4.1%	$91.6M+5.1%	$87.2M
Retained Earnings	$154.8M+11.0%	$139.5M+4.1%	$134.0M+6.4%	$125.9M+8.0%	$116.6M+13.7%	$102.5M+8.0%	$94.9M+13.1%	$83.9M+2.1%	$82.2M-1.0%	$83.1M+5.8%	$78.5M+9.9%	$71.5M+8.4%	$65.9M+5.5%	$62.5M+3.6%	$60.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.3B+1.6%	$2.3B+2.6%	$2.2B-2.5%	$2.3B+0.5%	$2.3B+1.3%	$2.3B+2.7%	$2.2B+2.2%	$2.2B
Cash & Equivalents	$195.0M-7.5%	$210.8M+65.0%	$127.7M-32.1%	$188.1M-9.5%	$207.8M-7.6%	$225.0M+10.5%	$203.6M-13.8%	$236.3M
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	$2.2B+1.5%	$2.1B+2.7%	$2.1B-3.1%	$2.1B+0.1%	$2.1B+1.1%	$2.1B+2.6%	$2.1B+2.6%	$2.0B
Total Equity	$183.8M+2.9%	$178.7M+2.0%	$175.2M+5.3%	$166.3M+5.7%	$157.4M+3.9%	$151.4M+4.6%	$144.7M-3.5%	$149.9M
Retained Earnings	$165.1M+3.2%	$160.0M+3.3%	$154.8M+3.0%	$150.3M+2.6%	$146.4M+3.1%	$142.0M+1.8%	$139.5M-0.7%	$140.4M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

FRAF Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FRAF quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$42.3M	$25.4M+16.9%	$21.8M-18.1%	$26.6M+5.2%	$25.2M-4.2%	$26.3M+309.5%	$6.4M-66.1%	$19.0M+103.9%	$9.3M-42.8%	$16.3M+9.4%	$14.9M+11.8%	$13.3M-7.4%	$14.4M-6.8%	$15.4M+45.8%	$10.6M-30.0%	$15.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$579K-44.4%	$1.0M+201.7%	$345K-34.5%	$527K-77.1%	$2.3M+209.6%	$742K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$14.3M+16.6%	$12.2M-12.6%	$14.0M-5.8%	$14.9M+80.0%	$8.3M-42.4%	$14.3M
Investing Cash Flow	-$70.9M	-$107.0M+42.0%	-$184.4M-3.4%	-$178.3M-87.5%	-$95.1M+29.0%	-$133.9M+51.7%	-$277.3M-1081.0%	-$23.5M+50.6%	-$47.5M-47.3%	-$32.2M+68.6%	-$102.7M-108.8%	-$49.2M	N/A	N/A	-$4.5M+86.6%	-$33.6M
Financing Cash Flow	$15.9M	$5.7M-98.3%	$343.1M+212.1%	$109.9M+371.9%	-$40.4M-117.9%	$225.6M-7.6%	$244.2M+590.1%	$35.4M+8.7%	$32.5M-14.2%	$37.9M-55.5%	$85.3M+222.5%	$26.5M	N/A	N/A	$37.6M+23.4%	$30.5M
Dividends Paid	$6.0M	$5.8M+3.8%	$5.6M+0.6%	$5.6M-1.1%	$5.7M+2.4%	$5.5M+5.7%	$5.2M+2.2%	$5.1M+11.2%	$4.6M+14.1%	$4.0M+14.4%	$3.5M+12.2%	$3.1M+10.3%	$2.8M+1.3%	$2.8M-11.4%	$3.2M-25.8%	$4.3M
Share Buybacks	$1.4M	$1.1M+33.5%	$827K-65.5%	$2.4M-28.2%	$3.3M+179.5%	$1.2M+1.9%	$1.2M-69.6%	$3.8M+4270.5%	$88K	N/A	$795K	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$6.7M-72.2%	$24.1M+656.5%	$3.2M-61.6%	$8.3M+61.5%	$5.1M-41.8%	$8.8M+109.1%	$4.2M-45.9%	$7.8M
Investing Cash Flow	-$55.8M-940.3%	$6.6M+31.1%	$5.1M+118.8%	-$26.9M+42.7%	-$46.9M-22.4%	-$38.3M+56.4%	-$87.8M-87.0%	-$47.0M
Financing Cash Flow	$33.3M-36.3%	$52.3M+176.2%	-$68.7M-6217.4%	-$1.1M-104.4%	$24.6M-51.6%	$50.8M-0.1%	$50.9M-46.8%	$95.8M
Dividends Paid	$1.5M+3.2%	$1.5M+0.1%	$1.5M0.0%	$1.5M+0.5%	$1.5M+3.7%	$1.4M+0.4%	$1.4M+0.1%	$1.4M
Share Buybacks	$350K-13.6%	$405K+10.7%	$366K+22.0%	$300K+1.4%	$296K+108.5%	$142K-38.5%	$231K+48.1%	$156K

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

FRAF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FRAF quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	18.6%+7.6pp	10.9%-6.8pp	17.7%-8.8pp	26.5%-14.8pp	41.2%+13.4pp	27.9%-4.9pp	32.7%+19.1pp	13.7%+8.2pp	5.5%-16.4pp	21.9%-7.6pp	29.5%+5.3pp	24.1%+6.9pp	17.3%+3.6pp	13.7%-2.0pp	15.7%
Return on Equity	12.1%+4.4pp	7.7%-2.6pp	10.3%-2.8pp	13.1%+0.6pp	12.5%+3.7pp	8.8%-3.8pp	12.6%+7.5pp	5.2%+3.3pp	1.9%-5.1pp	6.9%-2.2pp	9.2%+1.0pp	8.1%+1.6pp	6.5%+0.7pp	5.9%-1.7pp	7.5%
Return on Assets	0.9%+0.4pp	0.5%-0.2pp	0.7%-0.1pp	0.9%-0.2pp	1.1%+0.3pp	0.8%-0.4pp	1.3%+0.8pp	0.5%+0.3pp	0.2%-0.5pp	0.7%-0.3pp	1.0%+0.2pp	0.8%+0.2pp	0.6%+0.1pp	0.5%-0.1pp	0.7%
Debt-to-Equity	11.78-2.4x	14.19+1.3x	12.90-1.0x	13.88+3.6x	10.29+0.7x	9.57+0.6x	8.95-0.3x	9.220.0x	9.25+0.6x	8.68+0.4x	8.30-0.4x	8.67-0.6x	9.32-0.9x	10.21-0.1x	10.36
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	38.6%+3.2pp	35.4%-4.9pp	40.3%-1.0pp	41.3%+20.2pp	21.1%-13.2pp	34.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	22.9%-1.0pp	23.9%+3.1pp	20.8%+2.8pp	18.0%-2.6pp	20.7%+6.2pp	14.5%+12.7pp	1.8%-14.4pp	16.2%
Return on Equity	3.6%-0.1pp	3.7%+0.3pp	3.5%+0.2pp	3.2%-0.5pp	3.8%+1.2pp	2.6%+2.3pp	0.3%-2.5pp	2.8%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.0%-0.2pp	0.2%
Debt-to-Equity	11.70-0.2x	11.85+0.1x	11.78-1.0x	12.81-0.7x	13.53-0.4x	13.91-0.3x	14.19+0.8x	13.35

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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Where Franklin Finl Svcs Corp Ranks

Frequently Asked Questions

What is Franklin Finl Svcs Corp's annual revenue?

Franklin Finl Svcs Corp (FRAF) reported $114.4M in total revenue for fiscal year 2025. This represents a 12.7% 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 12.7% year-over-year, from $101.5M to $114.4M in fiscal year 2025.

Is Franklin Finl Svcs Corp profitable?

Yes, Franklin Finl Svcs Corp (FRAF) reported a net income of $21.2M in fiscal year 2025, with a net profit margin of 18.6%.

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

Franklin Finl Svcs Corp (FRAF) had a net profit margin of 18.6% in fiscal year 2025, 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 $1.31 per share in dividends during fiscal year 2025.

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

Franklin Finl Svcs Corp (FRAF) has a return on equity of 12.1% for fiscal year 2025, 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 $25.4M in operating cash flow during fiscal year 2025, 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 2025, including both current and long-term assets.

Does Franklin Finl Svcs Corp buy back shares?

Yes, Franklin Finl Svcs Corp (FRAF) spent $1.1M on share buybacks during fiscal year 2025, 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 2025.

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

Franklin Finl Svcs Corp (FRAF) had a debt-to-equity ratio of 11.78 as of fiscal year 2025, 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 0.9% for fiscal year 2025, 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 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.20x, 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.

How financially healthy is Franklin Finl Svcs Corp?

Franklin Finl Svcs Corp (FRAF) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.