Valuation, from the filing
| Public float | $139.87M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $31.20 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 6.6× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.8× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
Valuation over time
6.6× earnings today, against a median of 8.8× across 10 years on record. Below its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-06-30 | $139.87M | 6.6× | |
| 2024-06-30 | $110.95M | 10.0× | |
| 2023-06-30 | $108.08M | 7.9× | |
| 2022-06-30 | $120.40M | 8.1× | |
| 2021-06-30 | $127.70M | 6.5× | |
| 2020-06-30 | $103.03M | 8.0× | |
| 2019-06-30 | $153.18M | 9.5× | |
| 2018-06-30 | $137.84M | 22.5× | |
| 2017-06-30 | $129.62M | 59.6× | |
| 2016-06-30 | $93.98M | 11.6× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the State Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 19.2% | 27th |
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) reported net income of $6.61M for the fiscal year ended 2026-06-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from FRANKLIN FINANCIAL SERVICES CORP /PA/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $6.61M | $6.64M | $6.04M | $5.35M | $5.91M | $3.92M | $487.00K | $4.22M | $3.03M | $3.36M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 4.50M | shares 4.49M | Unavailable | shares 4.50M | shares 4.47M | shares 4.45M | Unavailable | shares 4.42M | shares 4.56M | shares 4.39M |
| Pretax income | $8.25M | $8.31M | $7.48M | $6.66M | $7.32M | $4.81M | $549.00K | $5.10M | $3.68M | $4.00M |
| Income tax expense | $1.64M | $1.67M | $1.44M | $1.30M | $1.41M | $890.00K | $62.00K | $885.00K | $646.00K | $644.00K |
| Diluted EPS | $1.47 | $1.48 | Unavailable | $1.19 | $1.32 | $0.88 | Unavailable | $0.95 | $0.66 | $0.77 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $195.03M | $210.78M | $127.72M | $188.14M | $207.79M | $224.96M | $203.61M | $236.32M | $179.73M | $182.57M |
| Total assets | $2.34B | $2.30B | $2.24B | $2.30B | $2.29B | $2.26B | $2.20B | $2.15B | $2.04B | $2.01B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $2.15B | $2.12B | $2.06B | $2.13B | $2.13B | $2.11B | $2.05B | $2.00B | $1.90B | $1.88B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $183.84M | $178.74M | $175.24M | $166.34M | $157.36M | $151.39M | $144.72M | $149.93M | $136.81M | $134.24M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M | $9.02M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.69M | $24.10M | $3.18M | $8.30M | $5.14M | $8.82M | $4.22M | $7.80M | $2.43M | $7.30M |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Investing cash flow | -$55.78M | $6.64M | $5.06M | -$26.86M | -$46.91M | -$38.32M | -$87.84M | -$46.98M | -$31.44M | -$18.11M |
| Financing cash flow | $33.34M | $52.32M | -$68.67M | -$1.09M | $24.61M | $50.84M | $50.91M | $95.77M | $26.17M | $170.24M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $218.00K | $156.00K | $186.00K | $158.00K | $281.00K | $194.00K | $169.00K | $169.00K | $166.00K | $130.00K |
| Common dividends paid | $1.53M | $1.48M | $1.48M | $1.48M | $1.47M | $1.42M | $1.41M | $1.41M | $1.41M | $1.40M |
| Common share repurchases | $350.00K | $405.00K | $366.00K | $300.00K | $296.00K | $142.00K | $231.00K | $156.00K | $401.00K | $39.00K |
| Depreciation & amortization | $516.00K | $513.00K | $538.00K | $537.00K | $534.00K | $537.00K | $523.00K | $527.00K | $502.00K | $538.00K |
Derived
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 19.8% | 20.1% | 19.2% | 19.6% | 19.3% | 18.5% | 11.3% | 17.3% | 17.6% | 16.1% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open FRAF in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.