NASDAQ · Banks - Regional

FRAF (FRAF) Stock

$63.60 -0.61% NASDAQ: FRAF Financial Services

Valuation

MetricValue
Price$63.60
Market Cap$285.76M
P/E Ratio12.11
P/B Ratio1.47
P/S Ratio1.90
EPS (TTM)$4.74
52-Week High$64.27
52-Week Low$33.87
Dividend Yield2.34%

Financials & Margins

MetricValue
ROE12.00%
ROA0.94%
ROCE14.86%
Gross Margin20.15%
Operating Margin19.40%
Net Margin17.82%
Debt/Equity1.20
Current Ratio0.13

Annual Financials (USD)

Metric20212022202320242025
Revenue$64.0M$70.0M$90.0M$114.0M$134.0M
Operating Profit$23.0M$17.0M$16.0M$13.0M$26.0M
Net Profit$20.0M$15.0M$14.0M$11.0M$21.0M
EPS$4.42$3.36$3.10$2.51$4.74
Op Margin36.0%24.9%17.4%11.7%19.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.8B$1.7B$1.8B$2.2B$2.2B
Total Liabilities$1.6B$1.6B$1.7B$2.1B$2.1B
Cash$186.0M$79.0M$29.0M$205.0M$129.0M
Borrowings$24.0M$26.0M$154.0M$224.0M$215.0M

Latest News

Undervalued Small Caps With Insider Activity To Consider In May 2026 Simply Wall St. · May 27, 2026 Undervalued Small Caps With Insider Buying To Enhance Your Portfolio Simply Wall St. · May 20, 2026 2 Outperform Rated Regional Banks Zacks · May 19, 2026 Exploring 3 Undervalued Small Caps With Insider Action To Enhance Your Portfolio Simply Wall St. · May 19, 2026 The Zacks Analyst Blog Highlights Costco, Coca-Cola, AstraZeneca and Franklin Financial Services Zacks · May 18, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$26.0M$25.0M$27.0M$22.0M$25.0M
Investing Cash Flow$-143.0M$-107.0M$-179.0M$-187.0M$-108.0M
Financing Cash Flow$229.0M$-36.0M$-16.0M$277.0M$19.0M
Net Cash Flow$118.0M$-110.0M$-42.0M$180.0M$-76.0M
Free Cash Flow$18.0M$13.0M$26.0M$19.0M$25.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y50.53%
Return 3Y138.33%
Return 5Y125.94%

Ownership

Insiders Held6.50%
Institutions Held34.24%
Institutions Float Held36.62%
Institutional HolderSharesReport Date
Blackrock Inc.265,4722026-03-31
Vanguard Capital Management LLC183,4152026-03-31
Geode Capital Management, LLC99,8502026-03-31
Arrowstreet Capital, Limited Partnership75,4392026-03-31
State Street Corporation71,9392026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AVBH $32.61 +1.40% 9.64 $357.25M 0.00%
CBNA $45.53 -0.26% 11.90 $298.76M 0.00%
EFSI $39.97 -1.26% 11.20 $216.33M 2.92%
FCCO $35.01 +3.18% 12.25 $329.02M 2.00%
FSFGFirst Savings Financial Group, Inc. $33.98 +0.00% 13.81 $238.37M 1.88%

About FRAF

FRAF is led by CEO Craig W. Best, employs 306 people, headquartered in US, publicly traded since 1994.

FRAF stock trades at $63.60 with a market capitalization of $285.76M. The stock is valued at a price-to-earnings (P/E) ratio of 12.11, price-to-book of 1.47, price-to-sales of 1.90. Over the past 52 weeks the stock has ranged between $33.87 and $64.27, and currently trades 1.0% below its 52-week high. It pays a dividend yielding 2.34%.

On profitability, FRAF generates a return on equity (ROE) of 12.00%, return on capital employed of 14.86%, an operating margin of 19.40%, a net profit margin of 17.82%.

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