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Franklin Financial ServicesFRAF -0.84%50 EV-to-FCF is 7.06 as of Jul. 26, 2026, which is 8% above its 10-year median of 6.54. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,197 Banks companies, Franklin Financial Services ranks worse than 50.63% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Franklin Financial Services's Enterprise Value is $282.31 Mil.
Franklin Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $39.98 Mil. Therefore, Franklin Financial Services's EV-to-FCF for today is 7.06.
The historical rank and industry rank for Franklin Financial Services's EV-to-FCF or its related term are showing as below:
FRAF'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.02 Med: 6.54 Max: 26.84
Current: 7.06
During the past 13 years, the highest EV-to-FCF of Franklin Financial Services was 26.84. The lowest was -8.02. And the median was 6.54.
FRAF's EV-to-FCF is ranked worse than 50.63% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs FRAF: 7.06
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $62.005.
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 $5.339.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Franklin Financial Services EV-to-FCF Related Terms
Franklin Financial Services EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's EV-to-FCF falls into.
Franklin Financial Services's current Enterprise Value is $282.31 Mil.
Franklin Financial Services's Free Cash Flow 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 $39.98 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-FCF of 7.06 as of Jul. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Franklin Financial Services and its competitors. This is near median its historical median of 6.54. According to the industry distribution chart, Franklin Financial Services ranks #606 out of 1197 companies in the Banks industry, placing it in the top 50.6%.
Is Franklin Financial Services' EV-to-FCF too high?
Franklin Financial Services' current EV-to-FCF of 7.06 is near median its 10-year median of 6.54. The Banks industry median EV-to-FCF is 6.85. Franklin Financial Services' value of 7.06 is 3.1% above this industry median. Based on the distribution chart, Franklin Financial Services ranks #606 out of 1197 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' EV-to-FCF compare to OVLY and CFFI?
According to the Banks industry distribution chart, Franklin Financial Services ranks #606 out of 1197 companies for EV-to-FCF. This places Franklin Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.85. Franklin Financial Services' value of 7.06 is 3.1% above this benchmark. While the company's 10-year median is 6.54 vs. the industry median of 6.85, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.85, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Financial Services's current EV-to-FCF of 7.06 is 3.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Franklin Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Financial Services's current EV-to-FCF is 7.06, which is near median its own 10-year median of 6.54. 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 $43.42, compared to a current price of $62.01 — trading 42.8% above its estimated fair value. The current EV-to-FCF is 7.06, which is near median its 10-year median of 6.54 and 3.1% above the Banks industry median of 6.85. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current EV-to-FCF is 7.06 as of Jul. 26, 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 $62.01 is trading 42.8% above its estimated GF Value™ of $43.42.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
EV-to-FCF: 7.06 (near median its 10-year median of 6.54)
GF Value™: $43.42 vs. price of $62.01 (42.8% above fair value)
Industry Position: 3.1% above the Banks median (#606 of 1197)
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.
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