Franklin Financial ServicesFRAF -0.06%50 FCF Margin % is 102.02% as of Mar. 2026, which is 259% above its 10-year median of 28.42. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Franklin Financial Services ranks better than 71.41% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's FCF Margin % 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 FCF Margin % of 102.02% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Franklin Financial Services and its competitors. This is 259% above median its historical median of 28.42. Over the past decade, Franklin Financial Services' FCF Margin % has ranged from 10.63 to 43.88. According to the industry distribution chart, Franklin Financial Services ranks #430 out of 1504 companies in the Banks industry, placing it in the top 28.6%.
Is Franklin Financial Services' FCF Margin % too high?
Franklin Financial Services' current FCF Margin % of 102.02% is 259% above median its 10-year median of 28.42. Over the past 10 years, this metric has ranged from a low of 10.63 to a high of 43.88. The Banks industry median FCF Margin % is 26.50. Franklin Financial Services' value of 102.02% is 285% above this industry median. Based on the distribution chart, Franklin Financial Services ranks #430 out of 1504 companies in the Banks industry, which is above 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' FCF Margin % compare to WNEB and FFBB?
According to the Banks industry distribution chart, Franklin Financial Services ranks #430 out of 1504 companies for FCF Margin %. This puts Franklin Financial Services in the upper half of its industry. The industry median FCF Margin % is 26.50. Franklin Financial Services' value of 102.02% is 285% above this benchmark. Historically, Franklin Financial Services' own FCF Margin % has ranged from 10.63 to 43.88 over the past decade. While the company's 10-year median is 28.42 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Financial Services's current FCF Margin % of 102.02% is 285% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Franklin Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Financial Services's current FCF Margin % is 102.02%, which is 259% above median its own 10-year median of 28.42. 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 $43.02, compared to a current price of $62.08 — trading 44.3% above its estimated fair value. The current FCF Margin % is 102.02%, which is 259% above median its 10-year median of 28.42 and 285% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current FCF Margin % is 102.02% 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 $62.08 is trading 44.3% above its estimated GF Value™ of $43.02.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
FCF Margin %: 102.02% (259% above median its 10-year median of 28.42)
GF Value™: $43.02 vs. price of $62.08 (44.3% above fair value)
Industry Position: 285% above the Banks median (#430 of 1504)
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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