Franklin Financial Services (FRAF) Stock Price, News & Analysis

Company Overview

Franklin Financial Services, Inc. (NASDAQ: FRAF) is a U.S.‐listed specialty finance company that makes and acquires secured loans, with a focus on asset-based lending and mortgage warehouse financing. Through its wholly owned subsidiary, FFS Investment Company, a Maryland corporation regulated as a business development company under the Investment Company Act of 1940, Franklin Financial provides revolving lines of credit, term loans and other credit facilities secured primarily by residential and commercial mortgage loans, receivables and inventory. The company’s lending platform is designed to offer short-term working capital solutions to mortgage originators, community banks and other financial institutions that require flexible, collateralized financing.

Franklin Financial’s business model generates income through interest earned on its diversified loan portfolio and various fee structures related to loan origination and servicing. The company emphasizes rigorous credit underwriting, active collateral monitoring and portfolio diversification to manage risk and optimize risk-adjusted returns. Franklin’s asset-based lending approach supports liquidity in the mortgage market while providing middle-market enterprises with tailored financing for growth initiatives, acquisitions or balance sheet management.

Headquartered in Vancouver, British Columbia, Franklin Financial Services serves clients across North America from a centralized lending platform. Its leadership team brings together expertise in banking, capital markets and operations to guide strategic capital deployment, ensure compliance with regulatory requirements and maintain disciplined risk management practices. By leveraging its BDC structure, Franklin Financial offers investors access to a portfolio of short-duration assets with the potential for attractive yields and income generation over market cycles.

Key Stats

• Today's Range: $43.47 to $44.04
• 50-Day Range: $40.04 to $48.92
• 52-Week Range: $28.01 to $49.42
• Volume: 13,139 shs
• Average Volume: 19,817 shs
• Market Capitalization: $196.18 million
• P/E Ratio: 13.43
• Dividend Yield: 3.01%
• Price Target: N/A
• Consensus Rating: Buy

FRAF Stock Analysis - Frequently Asked Questions

How have FRAF shares performed this year?

Franklin Financial Services' stock was trading at $29.90 on January 1st, 2025. Since then, FRAF shares have increased by 46.5% and is now trading at $43.79.

How were Franklin Financial Services' earnings last quarter?

Franklin Financial Services Corp. (NASDAQ:FRAF) released its quarterly earnings data on Tuesday, July, 22nd. The company reported $1.32 EPS for the quarter. The business had revenue of $22.34 million for the quarter. Franklin Financial Services had a trailing twelve-month return on equity of 9.64% and a net margin of 11.78%.

How do I buy shares of Franklin Financial Services?

Shares of FRAF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Franklin Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Franklin Financial Services investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), e.l.f. Beauty (ELF), Jabil (JBL), Adobe (ADBE) and Builders FirstSource (BLDR).

Company Calendar

• Last Earnings: 7/22/2025
• Record date for 8/27 Dividend: 8/01/2025
• Ex-Dividend for 8/27 Dividend: 8/01/2025
• Dividend Payable: 8/27/2025
• Today: 10/17/2025
• Next Earnings (Estimated): 10/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FRAF
• CIK: 723646
• Web: www.franklinfin.com
• Phone: (717) 264-6116
• Fax: 717-264-3415
• Employees: 280
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.26
• Trailing P/E Ratio: 13.43
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.10 million
• Net Margins: 11.78%
• Pretax Margin: 14.40%
• Return on Equity: 9.64%
• Return on Assets: 0.65%

Debt

• Debt-to-Equity Ratio: 1.27
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $115.13 million
• Price / Sales: 1.70
• Cash Flow: $3.67 per share
• Price / Cash Flow: 11.92
• Book Value: $32.77 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 4,480,000
• Free Float: 4,167,000
• Market Cap: $196.18 million
• Optionable: Not Optionable
• Beta: 0.15