Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 9.21% is 33% above its 5-year average of 6.92%, around the middle of its 5-year range (1.34%–15.13%).
As of the fiscal period ended Tuesday, June 30, 2026. 2.64% below its 12-month average of 9.46%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 9.21%.
DEBT TO ASSETS RATIO
9.21%
DEBT TO ASSETS RATIO AVG TTM
9.46%
DEBT TO ASSETS RATIO AVG 3Y
9.48%
DEBT TO ASSETS RATIO AVG 5Y
6.92%
DEBT TO ASSETS RATIO AVG 10Y
3.79%
DEBT TO ASSETS RATIO AVG 15Y
3.02%
DEBT TO ASSETS RATIO AVG 20Y
6.72%
CURRENT VS TTM AVG
-2.64%
CURRENT VS 3Y AVG
-2.82%
CURRENT VS 5Y AVG
+33.13%
CURRENT VS 10Y AVG
+142.76%
CURRENT VS 15Y AVG
+205.32%
CURRENT VS 20Y AVG
+37.11%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 678 covered companies
CURRENT VS SECTOR MEDIAN
+18323.07%
vs the sector median at left
Franklin Financial Services Corporation
Market Cap
$286.34M
Debt to Assets Ratio
9.21%
TTM Avg
9.46%
3Y Avg
9.48%
5Y Avg
6.92%
Market Cap
$286.00M
Debt to Assets Ratio
0.02%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$285.05M
Debt to Assets Ratio
0.58%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$284.37M
Debt to Assets Ratio
0.70%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$284.34M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$288.65M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$281.53M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$291.48M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$281.19M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Franklin Financial Services Corporation (FRAF) | $286.34M | 9.21% | 9.46% | 9.48% | 6.92% |
| Ames National Corporation (ATLO)vs › | $286.00M | 0.02% | N/A | N/A | N/A |
| Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs › | $285.05M | 0.58% | N/A | N/A | N/A |
| CPI Card Group Inc. (PMTS)vs › | $284.37M | 0.70% | N/A | N/A | N/A |
| Inflection Point Acquisition Corp. VIII (IPHX)vs › | $284.34M | N/A | N/A | N/A | N/A |
| HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs › | $288.65M | 0.00% | N/A | N/A | N/A |
| X3 Acquisition Corp. Ltd. (XCBE)vs › | $281.53M | 0.00% | N/A | N/A | N/A |
| First Western Financial, Inc. (MYFW)vs › | $291.48M | 0.03% | N/A | N/A | N/A |
| First United Corporation (FUNC)vs › | $281.19M | 0.05% | N/A | N/A | N/A |
| First Northern Community Bancorp (FNRN)vs › | $291.60M | 0.00% | N/A | N/A | N/A |
Debt/Assets
9.2%
Debt/Equity
1.17
Current ratio and interest coverage is unavailable for Franklin Financial Services Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 9.21% |
| 2026-03-31 | 9.37% |
| 2025-12-31 | 9.59% |
| 2025-09-30 | 9.35% |
| 2025-06-30 | 9.79% |
| 2025-03-31 | 9.92% |
| 2024-12-31 | 10.19% |
| 2024-09-30 | 12.28% |
| 2024-06-30 | 14.92% |
| 2024-03-31 | 15.13% |
| 2023-12-31 | 8.41% |
| 2023-09-30 | 7.36% |
| 2023-06-30 | 5.46% |
| 2023-03-31 | 4.42% |
| 2022-12-31 | 1.52% |
| 2022-09-30 | 1.40% |
| 2022-06-30 | 1.34% |
| 2022-03-31 | 1.38% |
| 2021-12-31 | 1.38% |
| 2021-09-30 | 1.42% |
| 2021-06-30 | 1.47% |
| 2021-03-31 | 1.55% |
| 2020-12-31 | 1.62% |
| 2020-09-30 | 1.62% |
| 2020-06-30 | 0.35% |
| 2020-03-31 | 0.41% |
| 2019-12-31 | 0.41% |
| 2019-09-30 | 0.43% |
| 2019-06-30 | 0.45% |
| 2019-03-31 | 0.50% |
| 2018-12-31 | 0.00% |
| 2018-09-30 | 0.00% |
| 2018-06-30 | 0.00% |
| 2018-03-31 | 0.00% |
| 2017-12-31 | 0.00% |
| 2017-09-30 | 0.00% |
| 2017-06-30 | 0.00% |
| 2017-03-31 | 0.00% |
| 2016-12-31 | 2.15% |
| 2016-09-30 | 0.77% |
| 2016-06-30 | 0.00% |
| 2016-03-31 | 0.00% |
| 2015-12-31 | 0.00% |
| 2015-09-30 | 0.34% |
| 2015-06-30 | 0.00% |
| 2015-03-31 | 0.00% |
| 2014-12-31 | 0.91% |
| 2014-09-30 | 1.33% |
| 2014-06-30 | 1.39% |
| 2014-03-31 | 2.76% |
| 2013-12-31 | 3.68% |
| 2013-09-30 | 3.62% |
| 2013-06-30 | 4.97% |
| 2013-03-31 | 4.91% |
| 2012-12-31 | 5.32% |
| 2012-09-30 | 3.59% |
| 2012-06-30 | 4.38% |
| 2012-03-31 | 4.50% |
| 2011-12-31 | 10.24% |
| 2011-09-30 | 4.90% |
| 2011-06-30 | 4.90% |
| 2011-03-31 | 11.94% |
| 2010-12-31 | 12.82% |
| 2010-09-30 | 15.08% |
| 2010-06-30 | 16.46% |
| 2010-03-31 | 15.80% |
| 2009-12-31 | 15.37% |
| 2009-09-30 | 18.06% |
| 2009-06-30 | 17.43% |
| 2009-03-31 | 19.00% |
| 2008-12-31 | 20.98% |
| 2008-09-30 | 21.87% |
| 2008-06-30 | 19.03% |
| 2008-03-31 | 17.96% |
| 2007-12-31 | 15.59% |
| 2007-09-30 | 14.69% |
| 2007-06-30 | 14.99% |
| 2007-03-31 | 13.24% |
| 2006-12-31 | 15.46% |
| 2006-09-30 | 14.27% |
| 2006-06-30 | 16.84% |
| 2006-03-31 | 15.35% |
| 2005-12-31 | 16.84% |
| 2005-09-30 | 18.59% |
| 2005-06-30 | 18.46% |
| 2005-03-31 | 16.02% |
| 2004-12-31 | 18.35% |
| 2004-09-30 | 19.65% |
| 2004-06-30 | 20.70% |
| 2004-03-31 | 20.48% |
| 2003-12-31 | 21.83% |
| 2003-09-30 | 19.70% |
| 2003-06-30 | 20.44% |
| 2003-03-31 | 19.09% |
| 2002-12-31 | 20.18% |
| 2002-09-30 | 20.22% |
