FRAF (Franklin Financial Services) Scaled Net Operating Assets: -0.12 (As of Mar. 2026)


FRAF Franklin Financial Services Corp FRAF
50 GF Score
Price $62.80
GF Value $43.03
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Scaled Net Operating Assets?

Franklin Financial Services FRAF +1.43% 50 Scaled Net Operating Assets is -0.12 as of Mar. 2026. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.03 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Franklin Financial Services's operating assets for the quarter that ended in Mar. 2026 was $1,649.51 Mil. Franklin Financial Services's operating liabilities for the quarter that ended in Mar. 2026 was $1,907.92 Mil. Franklin Financial Services's Total Assets for the quarter that ended in Dec. 2025 was $2,239.02 Mil. Therefore, Franklin Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.12.

FRAF
50GF Score
Franklin Financial Services Corp FRAF
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Franklin Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Franklin Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2110.298-1849.091)/2197.841
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2239.018 - 128.72
=2110.298

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2063.776 - 214.685 - 0
=1849.091

Franklin Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1649.508-1907.924)/2239.018
=-0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2297.518 - 648.01
=1649.508

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2118.774 - 210.85 - 0
=1907.924

* 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.

What does a Scaled Net Operating Assets of -0.12 mean?
Franklin Financial Services (FRAF) has a Scaled Net Operating Assets of -0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Franklin Financial Services and its competitors.
Is Franklin Financial Services' Scaled Net Operating Assets too high?
Franklin Financial Services' current Scaled Net Operating Assets is -0.12. 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' Scaled Net Operating Assets compare to WNEB and FFBB?
Franklin Financial Services' Scaled Net Operating Assets of -0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Franklin Financial Services and its competitors. Franklin Financial Services's current Scaled Net Operating Assets is -0.12. 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 $43.03, compared to a current price of $62.80 — trading 45.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Scaled Net Operating Assets is -0.12 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 $62.80 is trading 45.9% above its estimated GF Value™ of $43.03. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Scaled Net Operating Assets: -0.12
  • GF Value™: $43.03 vs. price of $62.80 (45.9% above fair value)
  • GF Score™: 50/100 with 6 warning signs

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 Business Description

Address 1500 Nitterhouse Drive, Chambersburg, PA, USA, 17201-0819
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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$62.80
Price
$43.03
GF Value