Is FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 34.8% | |
| Net Margin | 24.7% | |
| Return on Equity (ROE) | 13.3% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $22M |
| Free Cash Flow | $19M |
| Total Debt | $224M |
| Total Assets | $2.2B |
Price & Trading
| Last Close | $50.56 |
| 50-Day MA | $50.24 |
| 200-Day MA | $46.65 |
| Avg Volume | 47K |
| Beta | -0.1 |
|
52-Week Range
$32.39
| |
About FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
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Frequently Asked Questions
Is FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FRANKLIN FINANCIAL SERVICES CORP /PA/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FRANKLIN FINANCIAL SERVICES CORP /PA/'s debt ratio?
FRANKLIN FINANCIAL SERVICES CORP /PA/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are FRANKLIN FINANCIAL SERVICES CORP /PA/'s key financial metrics?
FRANKLIN FINANCIAL SERVICES CORP /PA/ has a market capitalization of $226M, trailing P/E ratio of 10.6, and revenue of $70M. Return on equity stands at 13.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.