Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Franklin Financial ServicesFRAF -1.00%54 EV-to-OCF is 7.21 as of Aug. 09, 2026, which is 17% above its 10-year median of 6.17. GuruFocus rates FRAF with a GF Score™ of 54/100 and a GF Value™ of $43.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Franklin Financial Services ranks worse than 61.08% on this metric.
The historical rank and industry rank for Franklin Financial Services's EV-to-OCF or its related term are showing as below:
FRAF'
s EV-to-OCF Range Over the Past 10 Years
Min: -3.08 Med: 6.17 Max: 23.34
Current: 7.21
During the past 13 years, the highest EV-to-OCF of Franklin Financial Services was 23.34. The lowest was -3.08. And the median was 6.17.
FRAF's EV-to-OCF is ranked worse than 61.08% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs FRAF: 7.21
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Franklin Financial Services (NAS:FRAF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Franklin Financial Services's PE Ratio (TTM) for today is calculated as:
Franklin Financial Services's share price for today is $62.02.
Franklin Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.489.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Franklin Financial Services EV-to-OCF Related Terms
Franklin Financial Services EV-to-OCF 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.
For the Banks - Regional subindustry, Franklin Financial Services's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's EV-to-OCF falls into.
Franklin Financial Services's current Enterprise Value is $293.73 Mil.
Franklin Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $40.71 Mil.
* 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 EV-to-OCF of 7.21 as of Aug. 09, 2026. This is 17% above median its historical median of 6.17. According to the industry distribution chart, Franklin Financial Services ranks #915 out of 1498 companies in the Banks industry, placing it in the top 61.1%.
Is Franklin Financial Services' EV-to-OCF too high?
Franklin Financial Services' current EV-to-OCF of 7.21 is 17% above median its 10-year median of 6.17. The Banks industry median EV-to-OCF is 4.04. Franklin Financial Services' value of 7.21 is 78.5% above this industry median. Based on the distribution chart, Franklin Financial Services ranks #915 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Franklin Financial Services has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' EV-to-OCF compare to BPRN and EXSR?
According to the Banks industry distribution chart, Franklin Financial Services ranks #915 out of 1498 companies for EV-to-OCF. This places Franklin Financial Services in the lower half of its industry. The industry median EV-to-OCF is 4.04. Franklin Financial Services' value of 7.21 is 78.5% above this benchmark. While the company's 10-year median is 6.17 vs. the industry median of 4.04, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Financial Services's current EV-to-OCF of 7.21 is 78.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Financial Services's current EV-to-OCF is 7.21, which is 17% above median its own 10-year median of 6.17. 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 $43.38, compared to a current price of $62.02 — trading 43% above its estimated fair value. The current EV-to-OCF is 7.21, which is 17% above median its 10-year median of 6.17 and 78.5% above the Banks industry median of 4.04. Franklin Financial Services' overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current EV-to-OCF is 7.21 as of Aug. 09, 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 $62.02 is trading 43% above its estimated GF Value™ of $43.38.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
EV-to-OCF: 7.21 (17% above median its 10-year median of 6.17)
GF Value™: $43.38 vs. price of $62.02 (43% above fair value)
Industry Position: 78.5% above the Banks median (#915 of 1498)
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.
54GF Score
Get the complete analysis for FRAF
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRAF has been successfully added to your 
