Franklin Financial Services Corporation FRAF R2K

Financial Services · Banks - Regional · United States

https://www.franklinfin.com

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.

Market & Price

Market Cap

$261.18M

Current Price

$58.13

High / Low (52W)

$58.88 / $33.19

Beta

-0.01

Valuation

Stock P/E

10.89

Industry PE

12.01

Forward P/E

8.97

PEG Ratio

1.03

Book Value

$39.78

Price to Book

1.46

P/S

2.90

EV/EBITDA

Dividend Yield

2.32%

Profitability & Returns

ROCE

ROE

14.50%

ROA

1.05%

Profit Margin

26.54%

Op Margin

37.15%

EPS (Latest Qtr)

$1.48

EPS (TTM)

$5.34

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$215.24M

Total Assets

$2.24B

Current Assets

Working Capital

Ownership

Promoter Holding

6.46%

Chg in Prom Hold

FII / Inst Holding

34.12%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$447.99M

Total Revenue (TTM)

$90.19M

EBITDA

Free Cash Flow

Operating Cash Flow

$40.71M

Shares Outstanding

4.49M

Gross Margin

0.00%

Payout Ratio

24.72%

Growth (CAGR)

Revenue 5Y

10.16%

Profit 5Y

12.42%

Revenue (YoY)

22.00%

Earnings (YoY)

68.20%

PROS

Excellent profit margin of 26.5%.
Compounding revenue at 10.2% over 5 years.
Profit CAGR of 12.4% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FRAF Franklin Financial Services Corporation R2K	58.13	10.89	$261.18M	2.32%	-	14.50%	10.16%	12.42%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.83M	22.00M	22.66M	22.95M	23.50M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.45M	11.36M	11.48M	10.43M	9.25M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.81M	7.32M	6.66M	7.48M	8.31M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	890.00K	1.41M	1.30M	1.44M	1.67M
Net Income	2.88M	2.47M	2.58M	2.27M	2.73M	1.56M	2.08M	1.72M	3.02M	3.34M	3.08M	-7.26M	3.50M	-5.18M	4.00M	3.80M	3.24M	3.98M	4.50M	1.72M	3.07M	3.46M	4.83M	5.27M	5.86M	3.01M	3.58M	4.63M	3.29M	2.98M	3.86M	3.36M	3.03M	-	-	3.92M	5.91M	5.35M	6.04M	6.64M
Diluted EPS	0.68	0.58	0.61	0.53	0.64	0.36	0.48	0.40	0.70	0.77	0.70	-1.67	0.80	-1.18	0.91	0.86	0.73	0.90	1.03	0.39	0.71	0.79	1.09	1.19	1.31	0.67	0.80	1.05	0.75	0.68	0.88	0.77	0.66	-	-	0.88	1.32	1.19	1.35	1.48

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	65.41M	67.25M	69.89M	87.44M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	4.86M	23.12M	43.94M	44.73M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	17.50M	15.75M	13.31M	26.27M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	2.56M	2.15M	2.22M	5.04M
Net Income	6.58M	7.61M	6.57M	5.37M	6.23M	8.40M	10.20M	8.09M	2.18M	6.12M	16.11M	12.80M	-	14.94M	13.60M	11.10M	21.23M
Diluted EPS	1.71	1.96	1.66	1.32	1.51	2.00	2.40	1.88	0.50	1.39	3.67	2.93	-	3.36	3.10	2.51	4.74

Compounded Sales Growth

5 Years:	10.16%
1 Year:	22.00%

Compounded Profit Growth

5 Years:	12.42%
1 Year:	68.20%

Stock Price Performance

1 Year:	+55.75%
6 Months:	+11.02%
3 Months:	+13.60%
1 Month:	+5.66%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	951.89M	990.25M	1.03B	984.59M	1.00B	1.04B	1.13B	1.18B	1.21B	1.27B	1.54B	-	1.70B	1.84B	2.20B	2.24B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	16.71M	33.25M	22.11M	34.14M	77.83M	40.74M	48.59M	39.17M	36.66M	58.60M	52.96M	83.83M	57.15M	-	78.87M	29.37M	205.11M	128.72M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	869.25M	903.07M	935.73M	889.20M	897.93M	923.92M	1.01B	1.06B	1.09B	1.14B	1.39B	-	1.59B	1.70B	2.05B	2.06B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.62M	19.66M	219.70M	210.84M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25.77M	154.48M	223.96M	214.69M
Total Equity	-	-	82.64M	87.18M	91.63M	95.39M	103.52M	111.38M	116.49M	115.14M	118.40M	127.53M	145.18M	-	114.20M	132.14M	144.72M	175.24M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.71M	4.71M	4.71M	4.71M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	8.62M	12.36M	15.09M	10.56M	-	-	13.29M	14.86M	16.25M	9.30M	18.97M	6.43M	-	25.24M	26.57M	21.75M	25.44M
Investing Cash Flow	-60.82M	12.26M	-33.56M	-4.51M	-	-	-49.17M	-102.67M	-32.24M	-47.49M	-23.48M	-277.31M	-	-95.06M	-178.27M	-184.37M	-107.02M
Financing Cash Flow	68.74M	-35.76M	30.51M	37.64M	-	-	26.45M	85.31M	37.93M	32.54M	35.39M	244.20M	-	-40.44M	109.94M	343.08M	5.69M
Capital Expenditure	-1.52M	-2.12M	-742.00K	-2.30M	-527.00K	-345.00K	-1.04M	-579.00K	-	-	-	-	-	-12.22M	-499.00K	-2.57M	-866.00K
Free Cash Flow	7.09M	10.24M	14.35M	8.26M	-	-	12.25M	14.28M	-	-	-	-	-	13.03M	26.07M	19.19M	24.58M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-110.25M	-41.76M	180.47M	-75.89M
Share Buybacks	160.00K	-	-	-	-	-	-	795.00K	-	88.00K	3.85M	1.17M	1.19M	3.33M	2.39M	827.00K	1.10M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	22.8%	20.2%	15.9%	24.3%
ROE %	-	9.2%	7.5%	5.9%	6.5%	8.1%	9.2%	6.9%	1.9%	5.2%	12.6%	8.8%	-	13.1%	10.3%	7.7%	12.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.46%

Institutions

34.12%

Public Float

36.48%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.02%	265.47K	$15.43M
2	Vanguard Capital Management LLC	4.16%	183.41K	$10.66M
3	Geode Capital Management, LLC	2.26%	99.85K	$5.80M
4	Arrowstreet Capital, Limited Partnership	1.71%	75.44K	$4.39M
5	State Street Corporation	1.63%	71.94K	$4.18M
6	Elizabeth Park Capital Advisors, Ltd.	1.45%	63.91K	$3.72M
7	Bridgeway Capital Management, LLC	1.34%	59.08K	$3.43M
8	Goldman Sachs Group Inc	1.15%	50.84K	$2.96M
9	Dimensional Fund Advisors LP	1.12%	49.39K	$2.87M
10	American Century Companies Inc	1.11%	48.82K	$2.84M

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FRAF · Financial Services