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Franklin Financial Services Corporation (FRAF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$72.44 +1.88% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $72.86

Franklin Financial Services Corporation (FRAF) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- β€’ BUY Cap $320.0M
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FRAF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Franklin Financial Services Corporation (NASDAQ: FRAF) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $72.44 (+1.88% 1D, market cap $320.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FRAF ranks #116 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FRAF compare to JMSB and COSO in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), FRAF carries a Roarable B- (70/100 RQD), trailing P/E of 14.9x, gross margin of β€”, and ROIC of 12.1%. By comparison, JMSB (John Marshall Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 15.4x, ROIC 8.0%, cap $323.7M) and COSO (CoastalSouth Bancshares Inc.) posts a B grade (73/100 RQD, P/E 13.2x, ROIC 9.6%, cap $327.1M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FRAF?
β–Ό

Per FRAF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000723646), Franklin Financial Services Corporation generated $940.4M in revenue (+1.9% YoY), $21.2M in net income, and $25.4M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $72.86 (+0.58%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 2.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY β€’ 68.1% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERBUY β€’ B-
025507510070
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B Β· Rk C
Cash (12)Whales (15)SEC (13)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$90 Bull$76 Base$59 Bear
πŸ“¬ FREE FRAF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FRAF)Realized 20D OHLCV Swing Band: Β±5.2%
Deterministic 5-Pillar Attribution (70/100 Composite)
πŸ” WHY FRAF SCORES 70/100 (B-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy β€’ Cannibal Buyback (-2.64% YoY Shares)

β–² #2 Bullish Driver: Whale & Options Positioning+15/20 pts (21% of score)

20D Institutional Volume Accumulation (Β±5.2% realized swing band)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
62
Grade C+$63.32-0.8% Next Q
Q2 (-2Q)
65
Grade C+$62.80+3.4% Next Q
Q3 (-1Q)
67
Grade B-$64.95+11.5% Next Q
Current
70
Grade B-$72.44+6.6% Hist 90D Ξ±
Trajectory: C+ (62) β†’ B- (70)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the FRAF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 70/100 (B-) score, FRAF faces multiple-compression risk if 14.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($63.71) or 200D SMA ($58.32) invalidates the momentum regime and cuts Target Base ($76.35) toward Bear Floor ($59.40).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FRAFβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFRAF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How FRAF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$25.4M (2.7% FCF Margin)
Revenue$940.4MGross Profit $489.0M (52%)Cost of Sales $451.4MOp Profit $0 (0%)OpEx (R&D/SG&A) $489.0MNet Profit$21.2M (2.3%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $100.9M
FY24
Rev $923.1M
FY25
Rev $940.4M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$940.4M52%0%$21.2M$25.4M12.1%
FY 2024$923.1M52%0%$11.1M$21.8M12.1%
FY 2023$100.9M39.5%0%$13.6M$26.6M12.1%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FRAF)

  • βœ“Walkthrough of FRAF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FRAF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.08%β–² RESISTANCE BREAKOUT
2026-11-03O $70.31H $72.44L $70.31C $72.44VOL 116.3K
RES: $72.12SUP: $60.87SMA50: $63.71SMA200: $58.32
$74.08$67.30$60.52$53.74$46.96RES $72.12SUP $60.87$72.442026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FRAF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ FRAF Butterfly Map β†’ + Track FRAF β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
7.0%/yr Implied 5Y Growth

vs. +1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FRAF today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for FRAF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FRAF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FRAF)

Financials Rank #116 of 1097 βš”οΈ JMSB vs FRAF Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (FRAF vs. JMSB, COSO, NEWT, MVBF)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Franklin Financial Services Corporation (FRAF) ranks #116 by composite RQD confidence (70/100, grade B-) and #794 by equity capitalization ($320.0M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and β€” gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with FRAF at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FRAF ACTIVE
Franklin Financial Services Corporation
B- 70/100 14.9x β€” 12.1% +1.88% $320.0M Benchmark Subject
JMSB
John Marshall Bancorp Inc.
C+ 66/100 15.4x β€” 8.0% +1.35% $323.7M /jmsb-vs-fraf β†’
COSO
CoastalSouth Bancshares Inc.
B 73/100 13.2x β€” 9.6% +1.29% $327.1M /coso-vs-fraf β†’
NEWT
NewtekOne Inc.
D- 40/100 5.3x β€” 15.2% +2.23% $310.8M /newt-vs-fraf β†’
MVBF
MVB Financial Corp.
D 45/100 β€” β€” 0.0% +3.10% $330.3M /mvbf-vs-fraf β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000723646 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Franklin Financial Services Corporation (FRAF) reported GAAP revenue of $940.4M (+1.9% vs. FY2024 revenue of $923.1M , and +831.6% cumulative change since FY2023) , GAAP net income of $21.2M, operating cash flow of $25.4M, and free cash flow of $25.4M (+16.9% YoY). On the balance sheet, FRAF closed FY2025 with $2.24B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $940.4M $21.2M $25.4M $25.4M $2.24B β€”
FY2024 (FY) 2024-12-31 $923.1M $11.1M $21.8M $21.8M $2.20B β€”
FY2023 (FY) 2023-12-31 $100.9M $13.6M $26.6M $26.6M β€” β€”

3. FRAF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FRAF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Franklin Financial Services Corporation (NASDAQ: FRAF) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $72.44 (+1.88% 1D, market cap $320.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FRAF ranks #116 in composite RQD confidence.

How does FRAF compare to JMSB and COSO in the Financials sector?

Within the Financials sector (Major Banks), FRAF carries a Roarable B- (70/100 RQD), trailing P/E of 14.9x, gross margin of β€”, and ROIC of 12.1%. By comparison, JMSB (John Marshall Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 15.4x, ROIC 8.0%, cap $323.7M) and COSO (CoastalSouth Bancshares Inc.) posts a B grade (73/100 RQD, P/E 13.2x, ROIC 9.6%, cap $327.1M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FRAF?

Per FRAF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000723646), Franklin Financial Services Corporation generated $940.4M in revenue (+1.9% YoY), $21.2M in net income, and $25.4M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FRAF trading relative to its 50-day, 200-day, and 52-week technical levels?

FRAF last traded at $72.44 (+1.88% on volume of 68,948 shares), positioning the stock +13.70% above its 50-day simple moving average ($63.71) and +24.21% above its 200-day simple moving average ($58.32). Across its 52-week range of $45.03 to $72.36, FRAF sits at the 100.0% percentile with a 14-day RSI of 78.4 (OVERBOUGHT (>70)) and an implied next-earnings move of Β±5.2% ($68.67 to $76.21).

Direct Sub-Reports: FRAF RQD Cockpit FRAF 12M Forecast FRAF Earnings & Move FRAF Dividends & DRIP FRAF Insiders & 13F FRAF Whale Options FRAF Profit Sankey FRAF News & Why
ROARABLE RATING BRIEF β€’ RQD 70/100 (B-) βœ“ SEC XBRL & RQD VERIFIED

FRAF β€” Franklin Financial Services Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Franklin Financial Services Corporation (FRAF) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $72.44 (+1.88% 1D, market capitalization $320.0M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 12.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 8.04%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Franklin Financial Services Corporation (FRAF) is listed on NASDAQ and classified under the Financials sector and Major Banks industry,. The profile does not describe its specific products, customer segments, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Franklin Financial Services Corporation (FRAF) reported $940.4M in annual revenue (up from $923.1M in FY2024, +1.9% YoY) and $21.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($100.9M revenue, $13.6M net income) through FY2025, FRAF scaled operating cash flow to $25.4M and free cash flow to $25.4M, backed by $2.24B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (B- β€’ RQD 70/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $45.03 – $72.36 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.9x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply_chain is NONE, butterfly_links is empty, and proprietary_signals is empty.

  • Key Question #1: Can FRAF sustain or expand its β€” operating margin and 12.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $940.4M and free cash flow of $25.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FRAF's 13.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FRAF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Franklin Financial Services Corporation (FRAF) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FRAF Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FRAF Bull vs. Bear Conversation Board β€” What's Your Call at $72.44?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FRAF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FRAF:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $84.62 (+19.0%)
πŸ“Œ Pinned Debate

Insider conviction (17/20) and an 8.04% FCF yield signal strong ownership-side support alongside 12.1% ROIC.

Don't sleep on FRAF's setup in Financials. Insider conviction (17/20) and an 8.04% FCF yield signal strong ownership-side support alongside 12.1% ROIC.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (70/100) backs up the fundamental quality.

VolSurface_Trader πŸ‚ BULL

Both sides have a point here β€” FRAF's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $58.31 (-18.0%)
Spot @ $71.11

Valuation & margin reality check on FRAF at $71.11 before chasing here

Fading this rally in FRAF at $71.11. Valuation & margin reality check on FRAF at $71.11 before chasing here. With a beta of 1.0 and the stock sitting at $71.11 (52-wk range $45.03–$72.36), the easy multiple expansion is already priced in.

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