Lumida
/FRAF
⌘K
Franklin Financial Services Corp

Franklin Financial Services Corp

FRAF
$63.54USD+0.41%+0.26 today

MARKET CAP

285.9M

P/E (TTM)

13.4x

FWD P/E

DAY RANGE

$62 – $64

52W RANGE

$43
$65

AI Summary

Stalk
StalkMedium

FRAF remains in a Stage 2 advance with clean higher highs on rising EMAs, but a blow-off top at recent highs and extreme overbought readings signal near-term exhaustion. Medium-term bias stays bullish, yet short-term execution is unfavorable. We will defer new entries and look for a pullback into the rising 9/21 EMA region for a lower-risk opportunity.

  • Q2 EPS $1.47 beat estimates by 10%, revenue rose to $22.86M (+5.3% YoY)
  • Net interest margin improved to 3.5% vs 3.21%, boosting loan spread profitability
  • Growth factor is negative, signaling challenges in sustaining revenue and EPS growth
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$67.1M$71.7M$91.6M$115.1M$133.5M
YoY %+9.9%+6.9%+27.8%+25.7%+16.0%
P / Sales2.2x2.2x1.5x1.1x1.7x
EV / Sales26.1x24.1x19.9x18.8x17.0x
Gross Profit, Adj.$64.2M$66.8M$68.5M$71.2M$88.8M
YoY %+12.5%+4.2%+2.5%+3.9%+24.8%
Margin %95.7%93.2%74.8%61.8%66.5%
EV / Gross Profit27.3x25.8x26.6x30.4x25.5x
EBITDA, Adj.$23.0M$17.5M$15.8M$13.3M$26.3M
YoY %+76.2%-24.0%-10.0%-15.5%+97.3%
Margin %34.3%24.4%17.2%11.6%19.7%
EV / EBITDA76.2x98.7x115.6x162.6x86.3x
EBIT$23.0M$17.5M$15.8M$13.3M$26.3M
YoY %+76.2%-24.0%-10.0%-15.5%+97.3%
Margin %34.3%24.4%17.2%11.6%19.7%
EV / EBIT76.2x98.7x115.6x162.6x86.3x
Net Income$19.6M$14.9M$13.6M$11.1M$21.2M
YoY %+53.3%-23.8%-9.0%-18.4%+91.2%
Net Margin29.3%20.8%14.8%9.6%15.9%
EPS (GAAP)$4.42$3.36$3.10$2.51$4.74
YoY %+50.9%-24.0%-7.7%-19.0%+88.8%