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Franklin Financial ServicesFRAF -0.11%50 Debt-to-Equity is 1.18 as of Mar. 2026, which is 462% above its 10-year median of 0.21. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.47 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Franklin Financial Services ranks worse than 70.72% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Franklin Financial Services's Debt-to-Equity or its related term are showing as below:
FRAF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.21 Max: 2.27
Current: 1.15
During the past 13 years, the highest Debt-to-Equity Ratio of Franklin Financial Services was 2.27. The lowest was 0.04. And the median was 0.21.
FRAF's Debt-to-Equity is ranked worse than 70.72% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs FRAF: 1.15
Franklin Financial Services (NAS:FRAF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Franklin Financial Services Debt-to-Equity Related Terms
Franklin Financial Services Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRAF vs BPRN, EXSR, CBNA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Franklin Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Franklin Financial Services Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Franklin Financial Services (FRAF) has a Debt-to-Equity of 1.18 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Franklin Financial Services and its competitors. This is 462% above median its historical median of 0.21. Over the past decade, Franklin Financial Services' Debt-to-Equity has ranged from 0.04 to 2.27. According to the industry distribution chart, Franklin Financial Services ranks #1005 out of 1421 companies in the Banks industry, placing it in the top 70.7%.
Is Franklin Financial Services' Debt-to-Equity too high?
Franklin Financial Services' current Debt-to-Equity of 1.18 is 462% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 2.27. The Banks industry median Debt-to-Equity is 0.57. Franklin Financial Services' value of 1.18 is 107% above this industry median. Based on the distribution chart, Franklin Financial Services ranks #1005 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Franklin Financial Services has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' Debt-to-Equity compare to BPRN and EXSR?
According to the Banks industry distribution chart, Franklin Financial Services ranks #1005 out of 1421 companies for Debt-to-Equity. This places Franklin Financial Services in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Franklin Financial Services' value of 1.18 is 107% above this benchmark. Historically, Franklin Financial Services' own Debt-to-Equity has ranged from 0.04 to 2.27 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.57, Franklin Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Financial Services's current Debt-to-Equity of 1.18 is 107% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Franklin Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Financial Services's current Debt-to-Equity is 1.18, which is 462% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Franklin Financial Services (FRAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $43.47, compared to a current price of $63.97 — trading 47.2% above its estimated fair value. The current Debt-to-Equity is 1.18, which is 462% above median its 10-year median of 0.21 and 107% above the Banks industry median of 0.57. Franklin Financial Services' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Debt-to-Equity is 1.18 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Franklin Financial Services (FRAF) Overvalued in 2026?
Based on GuruFocus' analysis, Franklin Financial Services stock appears to be overvalued.
The current stock price of $63.97 is trading 47.2% above its estimated GF Value™ of $43.47.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
Debt-to-Equity: 1.18 (462% above median its 10-year median of 0.21)
GF Value™: $43.47 vs. price of $63.97 (47.2% above fair value)
Industry Position: 107% above the Banks median (#1005 of 1421)
No single metric tells the full story. See the FRAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Franklin Financial Services Corp is a bank holding company based in the United States. It is engaged in general commercial, retail banking, and trust services normally associated with community banks. It offers a broad range of banking services to businesses, individuals, and governmental entities, which include accepting and maintaining cheques, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. The bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department.
50GF Score
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