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

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 17 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 2026-05-11

Profitability recovered in FY2025, but the business still runs on a thin-equity, liability-funded balance sheet.

In the latest year, operating cash flow stayed near $25M while net income nearly doubled to $21.2M, suggesting the earnings rebound came more from margin normalization than from a new level of cash generation. That matters because liabilities still outweighed equity by 11.8x, so relatively small shifts in return on assets can create much larger swings in shareholder returns.

The balance sheet remains heavily liability-funded: equity was $175M against $2.1B of liabilities. Retained earnings have continued to build, but capital still acts like a thin support layer under a very large asset base.

Revenue reached $114.4M while return on equity rebounded to 12.1%, showing that improved profitability did reach shareholders after the prior year’s pressure. But return on assets was only 1.0%, so the business still needs a very large balance sheet to produce a modest level of profit; that ROA-to-ROE gap is leverage doing much of the work.

Financial Health Signals

Financial Profile 17/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Franklin Finl Svcs Corp's revenue grew 12.7% year-over-year to $114.4M, a solid pace of expansion. This earns a growth score of 70/100.

Leverage

Franklin Finl Svcs Corp has elevated debt relative to equity (D/E of 11.78), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Franklin Finl Svcs Corp's ROE of 12.1% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 7.7% the prior year.

Piotroski F-Score Neutral

5/9

Franklin Finl Svcs Corp passes 5 of 9 financial strength tests. 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.

EBITDA

N/A

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.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$127.7M

YoY-37.3%

5Y CAGR+17.5%

10Y CAGR+12.5%

Franklin Finl Svcs Corp held $127.7M in cash against $0 in long-term debt as of fiscal year 2025.

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+1.2%

5Y CAGR+0.4%

10Y CAGR+0.5%

Franklin Finl Svcs Corp had 4M shares outstanding in fiscal year 2025. This represents an increase of 1.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

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.

Capital Allocation

R&D Spending

N/A

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.

Capital Expenditures

N/A

FRAF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$114.4M+12.7%	$101.5M+32.2%	$76.8M+36.0%	$56.4M+18.7%	$47.6M+3.6%	$45.9M
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	$35.3M+7.9%	$32.8M+13.7%	$28.8M+2.6%	$28.1M+13.4%	$24.8M+10.7%	$22.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$44.7M+1.8%	$43.9M+90.0%	$23.1M+375.5%	$4.9M+67.6%	$2.9M-27.0%	$4.0M
Income Tax	$5.0M+127.5%	$2.2M+2.8%	$2.2M-15.7%	$2.6M-24.7%	$3.4M+1217.1%	$258K
Net Income	$21.2M+91.2%	$11.1M-18.4%	$13.6M-9.0%	$14.9M-23.8%	$19.6M+53.3%	$12.8M
EPS (Diluted)	$4.74+88.8%	$2.51-19.0%	$3.10-7.7%	$3.36-24.0%	$4.42+50.9%	$2.93

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+5.3%	$24.7M
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	$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-3.9%	$8.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+8.4%	$10.5M
Income Tax	$1.7M+16.1%	$1.4M+10.3%	$1.3M-7.5%	$1.4M+58.3%	$890K+2070.7%	$41K-95.4%	$885K+37.0%	$646K
Net Income	$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+39.1%	$3.0M
EPS (Diluted)	$1.48	N/A	$1.19-9.8%	$1.32+50.0%	$0.88	N/A	$0.95+43.9%	$0.66

FRAF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.2B+1.9%	$2.2B+19.7%	$1.8B+8.0%	$1.7B-4.2%	$1.8B+15.6%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$127.7M-37.3%	$203.6M+779.9%	$23.1M-64.3%	$64.9M-62.9%	$175.1M+206.5%	$57.1M
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+0.5%	$2.1B+20.5%	$1.7B+7.5%	$1.6B-1.9%	$1.6B+16.3%	$1.4B
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	$175.2M+21.1%	$144.7M+9.5%	$132.1M+15.7%	$114.2M-27.3%	$157.1M+8.2%	$145.2M
Retained Earnings	$154.8M+11.0%	$139.5M+4.1%	$134.0M+6.4%	$125.9M+8.0%	$116.6M+13.7%	$102.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+5.5%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+31.5%	$179.7M
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+2.7%	$2.1B-3.1%	$2.1B+0.1%	$2.1B+1.1%	$2.1B+2.6%	$2.1B+2.6%	$2.0B+5.2%	$1.9B
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	$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+9.6%	$136.8M
Retained Earnings	$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+2.0%	$137.6M

FRAF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$25.4M+16.9%	$21.8M-18.1%	$26.6M+5.2%	$25.2M-4.2%	$26.3M+309.5%	$6.4M
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	-$107.0M+42.0%	-$184.4M-3.4%	-$178.3M-87.5%	-$95.1M+29.0%	-$133.9M+51.7%	-$277.3M
Financing Cash Flow	$5.7M-98.3%	$343.1M+212.1%	$109.9M+371.9%	-$40.4M-117.9%	$225.6M-7.6%	$244.2M
Dividends Paid	$5.8M+3.8%	$5.6M+0.6%	$5.6M-1.1%	$5.7M+2.4%	$5.5M+5.7%	$5.2M
Share Buybacks	$1.1M+33.5%	$827K-65.5%	$2.4M-28.2%	$3.3M+179.5%	$1.2M+1.9%	$1.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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+220.7%	$2.4M
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	$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-49.4%	-$31.4M
Financing Cash Flow	$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+266.0%	$26.2M
Dividends Paid	$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+0.3%	$1.4M
Share Buybacks	$405K+10.7%	$366K+22.0%	$300K+1.4%	$296K+108.5%	$142K-38.5%	$231K+48.1%	$156K-61.1%	$401K

FRAF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	18.6%+7.6pp	10.9%-6.8pp	17.7%-8.8pp	26.5%-14.8pp	41.2%+13.4pp	27.9%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.78-2.4	14.19+1.3	12.90-1.0	13.88+3.6	10.29+0.7	9.57
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	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%+3.9pp	12.3%
Return on Equity	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%+0.6pp	2.2%
Return on Assets	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%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.85+0.1	11.78-1.0	12.81-0.7	13.53-0.4	13.91-0.3	14.19+0.8	13.35-0.6	13.90
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 $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 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 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 17 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.