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 debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see cash efficiency ratio of Franklin Financial Services Corp.
Annual Cash Flow Quality Index for Franklin Financial Services Corp (1995–2025)
Year-by-year earnings quality comparison for Franklin Financial Services Corp.
| 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 | — |