Franklin Financial Services Corporation Financial Ratios — FRAF

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.34	8.15	9.07	11.47	12.82	9.46	2.49	6.98	17.12	12.37	17.17	11.86	10.1	7.85	13.98
Return on Assets (%)	0.68	0.53	0.62	0.85	1	0.75	0.19	0.51	1.3	0.91	1.19	0.86	0.77	0.55	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.48	5.88	7.95	9.5	6.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.91	19.11	23.15	29.48	31.81	23.72	2.84	2.54	2.45	2.38	1.97	2.2	3	2.99	2.45
Operating Margin (%)	- -	14.31	18.36	24.77	28.31	20.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-407.93	-410.41	-2,012.2	281.35	100.78	-217.63	-299.01	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	16.42	14.31	18.36	24.77	28.31	20.64	11.81	11.4	33.97	23.34	37.68	26.75	23.42	19.05	30.04
Profit Margin (%)	15.45	13.06	15.2	20	23.16	17.78	4.48	11.71	28.82	22.87	32.12	22.84	20.22	15.88	24.28
Net Income to Common Margin (%)	15.45	13.06	15.2	20	23.16	17.78	4.48	11.71	28.82	22.87	32.12	22.84	20.22	15.88	24.28
Effective Tax Rate (%)	5.89	8.71	17.2	19.27	18.2	13.87	62.1	- -	15.16	1.98	14.76	14.62	13.68	16.64	19.19
Dvd Payout Ratio (%)	65.05	59.09	45.09	33.88	30.76	43.56	185.25	75.07	31.74	40.83	28.16	37.88	41.15	50.72	27.54
Sustainable Growth Rate (%)	3.62	3.33	4.98	7.58	8.87	5.34	-2.12	1.74	11.68	7.32	12.33	7.37	5.94	3.87	10.13

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	48	12	12	- -	- -	24	- -	- -	5	25	24	26	154	224	215
ST Debt	- -	- -	- -	- -	- -	24	- -	- -	- -	- -	- -	- -	130	- -	- -
LT Debt	48	12	12	- -	- -	- -	- -	- -	5	25	24	26	24	224	215
Total Debt/EBITDA	23.15	1.58	1.31	- -	- -	2.25	- -	- -	3.77	18.71	20.34	17.93	76.63	107.16	100.04
Net Debt/EBITDA	6.8	-8.33	-2.99	-3.92	-2.79	-1.15	-42.47	-39.82	-67.57	-37.84	-138.15	-41.23	59.67	6.98	38.27
Total Debt/EBIT	- -	2.11	1.65	- -	- -	2.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-11.13	-3.77	-4.67	-3.14	-1.32	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.53	6.52	7.16	7.59	8.03	7.78	7.37	7.33	7.85	6.99	6.84	7.68	7.55	6.56	7.13
Long-Term Debt/Equity (%)	55.44	13.54	13	- -	- -	- -	- -	- -	4.05	17.14	15.56	22.56	18.52	154.76	122.51
Long-Term Debt/Capital (%)	42.76	15.63	14.97	- -	- -	- -	- -	- -	4.92	18.84	16.77	16.48	8.35	60.84	57.37
Long-Term Debt/Total Assets (%)	4.88	1.21	1.26	- -	- -	- -	- -	- -	0.41	1.62	1.38	1.52	1.33	10.19	9.59
Total Debt/Equity (%)	55.44	13.54	13	- -	- -	20.83	- -	- -	4.05	17.14	15.56	22.56	116.91	154.76	122.51
Total Debt/Capital (%)	42.76	15.63	14.97	- -	- -	21.66	- -	- -	4.92	18.84	16.77	16.48	52.69	60.84	57.37
Total Debt/Total Assets (%)	4.88	1.21	1.26	- -	- -	2.15	- -	- -	0.41	1.62	1.38	1.52	8.41	10.19	9.59
Net Debt to Equity	16.28	-71.4	-29.71	-46.94	-35.17	-10.64	-50.9	-44.73	-72.59	-34.67	-105.72	-51.88	91.04	10.08	46.86
Net Debt/Capital (%)	17.99	-4,210.04	-67.3	-176.92	-88.99	-16.44	-207.05	-148.38	-756.14	-80.88	416.45	-76.46	45.6	8.95	33.45
EBITDA	2	8	9	12	14	11	1	1	1	1	1	1	2	2	2
EBITDA-CapEx	1	8	9	12	14	11	1	1	1	1	1	1	2	2	2
Operating Income (Loss)	- -	6	8	10	12	9	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.53	6.52	7.16	7.59	8.03	7.78	7.37	7.33	7.85	6.99	6.84	7.68	7.55	6.56	7.13
Long-Term Debt/Equity (%)	55.44	13.54	13	- -	- -	- -	- -	- -	4.05	17.14	15.56	22.56	18.52	154.76	122.51
Long-Term Debt/Capital (%)	42.76	15.63	14.97	- -	- -	- -	- -	- -	4.92	18.84	16.77	16.48	8.35	60.84	57.37
Long-Term Debt/Total Assets (%)	4.88	1.21	1.26	- -	- -	- -	- -	- -	0.41	1.62	1.38	1.52	1.33	10.19	9.59
Total Debt/Equity (%)	55.44	13.54	13	- -	- -	20.83	- -	- -	4.05	17.14	15.56	22.56	116.91	154.76	122.51
Total Debt/Capital (%)	42.76	15.63	14.97	- -	- -	21.66	- -	- -	4.92	18.84	16.77	16.48	52.69	60.84	57.37
Total Debt/Total Assets (%)	4.88	1.21	1.26	- -	- -	2.15	- -	- -	0.41	1.62	1.38	1.52	8.41	10.19	9.59
CFO/Total Liabilities	1.67	1.13	1.73	1.6	1.44	1.47	1.53	0.85	1.66	0.46	1.63	1.59	1.56	1.06	1.23
CFO/CapEx	20.33	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.16	0.18	0.21	0.24	0.25	0.25	0.23	0.22	0.24	0.18	0.18	0.2	0.19	0.16	0.2

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	50	58	71	93	100	123	162	138	169	118	146	160	138	132	225
- Cash & Cash Equivalents	34	78	41	49	39	37	59	53	93	70	186	79	29	205	129
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	12	12	- -	- -	24	- -	- -	5	25	24	26	154	224	215
Enterprise Value	-61	-141	-117	-128	-99	-33	-24	-46	-106	-324	-545	-380	-209	-150	210
Total Capital	113	79	83	76	83	112	87	89	105	132	146	156	293	368	374
Total Debt/Capital (%)	42.76	15.63	14.97	- -	- -	21.66	- -	- -	4.92	18.84	16.77	16.48	52.69	60.84	57.37
Total Debt / EV	-0.79	-0.09	-0.11	- -	- -	-0.73	- -	- -	-0.05	-0.08	-0.04	-0.07	-0.74	-1.49	1.02
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.4
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	97.78
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.25
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.25
Diluted Market Cap	50	58	71	93	100	123	163	139	170	118	147	160	138	132	225
Diluted Enterprise Value	64	-8	43	44	61	111	104	86	83	73	-14	107	263	151	311
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	46.83
TTM Sales	43	41	41	42	44	45	49	52	56	56	61	65	67	70	87
TTM EBITDA	2	8	9	12	14	11	1	1	1	1	1	1	2	2	2
TTM Operating Income	- -	6	8	10	12	9	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	15	11	15	14	13	15	16	9	19	6	26	25	27	22	25
TTM Free Cash Flow to Firm	16	11	15	14	13	15	16	9	19	6	26	25	27	22	25

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.14	5.45	4.63	6.46	7.52	8.28	10.02	14.91	8.97	18.34	5.58	6.36	5.2	6.08	8.84
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-61	-141	-117	-128	-99	-33	-24	-46	-106	-324	-545	-380	-209	-150	210
Low Price	12.3	12.3	13.82	17	21	20.11	28.6	29.26	26.83	19.6	25.93	28.05	23.96	25.11	28.01
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.4
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	97.78
Price/Earnings	7.56	10.72	11.44	11.05	9.77	15.2	74.46	22.54	10.5	9.2	7.46	10.68	10.15	11.93	10.6
Price/Earnings Average	10.44	10.81	10.73	9.84	9.8	12.63	65.32	24.89	9.83	9.25	7.02	9.5	9.71	11.79	8.69
Price/Earnings High	13.17	12.21	12.04	11.8	10.82	15.41	76.73	27.17	10.74	13.27	7.86	10.82	11.74	13.62	12.66
Price/Earnings Low	7.53	9.42	9.24	8.54	8.73	10.69	57	20.93	7.28	6.67	5.84	8.3	7.71	10.02	5.91
Price/Book Value	0.77	0.86	1.01	1.22	1.2	1.4	1.86	1.56	1.7	1.1	1.21	1.22	0.99	0.92	1.41
Price/Book Value Average	1.06	0.87	0.95	1.09	1.2	1.16	1.64	1.72	1.59	1.1	1.13	1.09	0.95	0.91	1.16
Price/Book Value High	1.34	0.98	1.06	1.3	1.33	1.42	1.92	1.88	1.74	1.58	1.27	1.24	1.15	1.05	1.68
Price/Book Value Low	0.76	0.75	0.82	0.94	1.07	0.98	1.43	1.45	1.18	0.8	0.94	0.95	0.76	0.77	0.79
Price/Tangible Book Value	0.65	0.71	0.83	0.98	0.97	1.14	1.53	1.26	1.43	0.86	0.99	1.52	1.12	0.98	1.35
Price/Tangible Book Value Average	0.9	0.71	0.78	0.88	0.98	0.95	1.34	1.39	1.34	0.87	0.93	1.35	1.07	0.96	1.11
Price/Tangible Book Value High	1.13	0.8	0.88	1.05	1.08	1.16	1.57	1.52	1.46	1.25	1.04	1.54	1.3	1.11	1.62
Price/Tangible Book Value Low	0.65	0.62	0.67	0.76	0.87	0.8	1.17	1.17	0.99	0.63	0.77	1.18	0.85	0.82	0.76
Price/Sales	1.17	1.4	1.74	2.21	2.26	2.7	3.33	2.64	3.03	2.1	2.4	2.44	2.05	1.89	2.57
Price/Sales Average	1.61	1.41	1.63	1.97	2.27	2.25	2.92	2.92	2.83	2.12	2.25	2.17	1.96	1.87	2.11
Price/Sales High	2.03	1.6	1.83	2.36	2.51	2.74	3.43	3.18	3.09	3.04	2.53	2.47	2.37	2.16	3.07
Price/Sales Low	1.16	1.23	1.41	1.71	2.02	1.9	2.55	2.45	2.1	1.53	1.88	1.9	1.56	1.59	1.44
Price/Cash Flow	3.29	5.45	4.63	6.46	7.5	8.27	9.97	14.84	8.92	18.3	5.55	6.32	5.19	6.08	8.84
Price/Cash Flow Average	4.55	5.49	4.34	5.76	7.52	6.88	8.75	16.39	8.35	18.4	5.22	5.62	4.97	6.01	7.25
Price/Cash Flow High	5.73	6.2	4.87	6.91	8.31	8.39	10.27	17.89	9.13	26.4	5.85	6.4	6.01	6.95	10.56
Price/Cash Flow Low	3.28	4.78	3.74	5	6.71	5.82	7.63	13.78	6.19	13.27	4.35	4.91	3.95	5.11	4.93
Price/Free Cash Flow Average	4.33	5.49	4.34	5.76	7.53	6.89	8.79	16.47	8.39	18.44	5.25	5.65	4.98	6.01	7.25
Price/Free Cash Flow High	5.46	6.2	4.87	6.91	8.32	8.4	10.33	17.98	9.17	26.45	5.88	6.44	6.02	6.95	10.56
Price/Free Cash Flow Low	3.13	4.78	3.74	5	6.72	5.82	7.67	13.85	6.22	13.3	4.37	4.94	3.95	5.11	4.93
EV/Sales Average	1.95	- -	0.94	0.81	1.38	1.97	1.72	1.9	1.27	1.31	- -	1.36	3.82	2.14	3.09
EV/Sales High	2.37	- -	1.14	1.2	1.62	2.47	2.23	2.17	1.53	2.23	- -	1.66	4.23	2.43	4.06
EV/Sales Low	1.5	- -	0.71	0.55	1.13	1.63	1.35	1.44	0.54	0.72	- -	1.08	3.42	1.86	2.42
EV/EBITDA Average	39.65	-0.95	4.06	2.75	4.34	8.32	60.53	74.82	51.8	55.19	-19.62	61.8	127.54	71.62	126.04
EV/EBITDA High	48.22	0.01	4.92	4.08	5.08	10.4	78.53	85.32	62.53	93.89	-5.77	75.49	141.25	81.36	165.24
EV/EBITDA Low	30.5	-1.9	3.08	1.87	3.56	6.86	47.42	56.59	21.87	30.37	-38.76	49.34	114.04	62.21	98.55
EV/EBIT Average	- -	-1.26	5.12	3.27	4.88	9.56	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	0.02	6.2	4.86	5.71	11.95	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	-2.54	3.89	2.22	4	7.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.35	14	17.1	22	23.5	28.6	37.36	31.5	38.69	27.03	33.1	36.1	31.55	29.9	50.2
High Price	21.5	15.95	18	23.5	26.01	29	38.5	37.98	39.56	38.99	34.9	36.55	36.5	34.15	59.95
Enterprise Value Average	83	-7	39	34	61	90	84	100	71	73	-24	89	257	150	270
Enterprise Value High	101	- -	47	51	71	112	108	113	86	125	-7	108	285	170	355
Enterprise Value Low	64	-15	29	23	50	74	65	75	30	40	-47	71	230	130	211

Shares Outstanding	4	4	4	4	4	4	4	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4	4	4	4
Revenue per Share	10.57	10	9.83	9.96	10.38	10.59	11.21	11.93	12.78	12.84	13.82	14.79	15.38	15.79	19.51
EBITDA per Share	0.52	1.91	2.28	2.94	3.3	2.51	0.32	0.3	0.31	0.31	0.27	0.33	0.46	0.47	0.48
Operating Income per Share	- -	1.43	1.81	2.47	2.94	2.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.63	1.31	1.49	1.99	2.4	1.88	0.5	1.4	3.68	2.94	4.44	3.38	3.11	2.51	4.74
Basic EPS from Cont Ops	1.63	1.31	1.49	1.99	2.4	1.88	0.5	1.4	3.68	2.94	4.44	3.38	3.11	2.51	4.74
Diluted EPS, GAAP	1.63	1.31	1.49	1.99	2.4	1.88	0.5	1.39	3.67	2.93	4.42	3.36	3.1	2.51	4.74
Diluted EPS from Cont Ops	1.63	1.31	1.49	1.99	2.4	1.88	0.5	1.39	3.67	2.93	4.42	3.36	3.1	2.51	4.74
Dividend per Share	1.06	0.77	0.67	0.67	0.74	0.82	0.93	1.05	1.17	1.2	1.25	1.28	1.28	1.27	1.3
Cash Flow per Share	3.75	2.57	3.69	3.4	3.13	3.46	3.75	2.12	4.34	1.48	5.96	5.71	6.07	4.91	5.68
Free Cash Flow per Basic Share	3.57	2.57	3.69	3.4	3.13	3.46	3.75	2.12	4.34	1.48	5.96	5.71	6.07	4.91	5.68
Cash & Equivalents per Share	39.63	51.41	48.08	52.23	46.8	42.02	42.79	42.09	64	107.14	161.87	127.96	114.74	114.41	51.28
Book Value per Share	16.08	16.31	16.9	18.03	19.6	20.43	20.04	20.23	22.78	24.61	27.45	29.54	31.71	32.56	35.61
Tangible Book Value per Share	19.04	19.84	20.55	22.36	24.12	25.01	24.47	24.96	27.09	31.25	33.5	23.79	28.15	30.65	37.09

Franklin Financial Services Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)