Franklin Financial Services Corp (FRAF) — Cash Flow Quality Index
Franklin Financial Services Corp (FRAF) has a Cash Flow Quality Index of 0.53x as of December 2025. Operating cash flow of $3.19 Million is below net income of $6.04 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore FRAF long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Franklin Financial Services Corp Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for Franklin Financial Services Corp across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check FRAF tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Franklin Financial Services Corp (1995–2025)
Year-by-year earnings quality comparison for Franklin Financial Services Corp. For live market cap and the full company financial profile, see FRAF market cap overview.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.20x | $25.44 Million | $21.23 Million | ▼ -38.8% |
| 2024 | 1.96x | $21.75 Million | $11.10 Million | ▲ +0.3% |
| 2023 | 1.95x | $26.57 Million | $13.60 Million | ▲ +15.6% |
| 2022 | 1.69x | $25.24 Million | $14.94 Million | ▲ +25.8% |
| 2021 | 1.34x | $26.35 Million | $19.62 Million | ▲ +167.2% |
| 2020 | 0.50x | $6.43 Million | $12.80 Million | ▼ -57.3% |
| 2019 | 1.18x | $18.97 Million | $16.11 Million | ▼ -22.5% |
| 2018 | 1.52x | $9.30 Million | $6.12 Million | ▼ -79.7% |
| 2017 | 7.47x | $16.25 Million | $2.18 Million | ▲ +306.6% |
| 2016 | 1.84x | $14.86 Million | $8.09 Million | ▲ +41.0% |
| 2015 | 1.30x | $13.29 Million | $10.20 Million | ▼ -23.8% |
| 2014 | 1.71x | $14.36 Million | $8.40 Million | ▼ -30.8% |
| 2013 | 2.47x | $15.40 Million | $6.23 Million | ▲ +25.5% |
| 2012 | 1.97x | $10.56 Million | $5.37 Million | ▼ -14.3% |
| 2011 | 2.30x | $15.09 Million | $6.57 Million | ▲ +41.5% |
| 2010 | 1.62x | $12.36 Million | $7.61 Million | ▲ +24.1% |
| 2009 | 1.31x | $8.62 Million | $6.58 Million | ▲ +1.8% |
| 2008 | 1.29x | $11.05 Million | $8.60 Million | ▼ -20.6% |
| 2007 | 1.62x | $14.99 Million | $9.26 Million | ▲ +82.5% |
| 2006 | 0.89x | $6.72 Million | $7.57 Million | ▼ -58.0% |
| 2005 | 2.11x | $12.90 Million | $6.11 Million | ▼ -15.5% |
| 2004 | 2.50x | $12.97 Million | $5.19 Million | ▲ +3778.8% |
| 2003 | 0.06x | $376.00K | $5.84 Million | ▼ -94.6% |
| 2002 | 1.18x | $6.60 Million | $5.57 Million | ▼ -25.5% |
| 2001 | 1.59x | $8.89 Million | $5.59 Million | ▲ +54.9% |
| 2000 | 1.03x | $5.14 Million | $5.01 Million | ▼ -12.8% |
| 1999 | 1.18x | $6.00 Million | $5.10 Million | ▲ +13.5% |
| 1998 | 1.04x | $4.98 Million | $4.80 Million | ▼ -72.0% |
| 1997 | 3.71x | $16.17 Million | $4.36 Million | ▼ -21.5% |
| 1996 | 4.72x | $19.48 Million | $4.13 Million | ▲ +11.9% |
| 1995 | 4.22x | $17.62 Million | $4.18 Million | — |