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Franklin Financial Services Corporation FRAF R2K

Financial Services · Banks - Regional · United States
https://www.franklinfin.com
Company Profile ↓
$61.82
+63.07% 1Y
Mkt Cap$277.76M
P/E11.58
P/B1.53
Div. Yield2.24%
52W High$64.00
52W Low$37.31
Book Value$39.78
EPS (TTM)$5.34

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.6, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 26.5%.

Dividend Income

Offers a dividend yield of 2.24%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +22.0%, earnings +68.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 7.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:22.00%

Compounded Profit Growth

5 Years:7.59%
1 Year:68.20%

Stock Price Performance

1 Year:+63.07%
6 Months:+21.53%
3 Months:+8.53%
1 Month:+3.06%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$37.31 $64.00
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)52.75 · Neutral
Price Performance
1M+3.06%
3M+8.53%
6M+21.53%
1Y+63.07%
Valuation vs Sector

P/E of 11.58 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 26.5%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
11.58
Industry PE
13.30
Forward P/E
9.54
PEG Ratio
1.03
Book Value
$39.78
Price to Book
1.53
P/S
3.03
EV/EBITDA
-
Dividend Yield
2.24%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
7.59%
Revenue (YoY)
22.00%
Earnings (YoY)
68.20%

Profitability & Returns

ROCE
-
ROE
14.50%
ROA
1.05%
Profit Margin
26.54%
Op Margin
37.15%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.48
EPS (TTM)
$5.34

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$215.24M
Total Assets
$2.30B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.50%
Chg in Prom Hold
0.01%
FII / Inst Holding
34.05%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$277.76M
Total Revenue (TTM)
$90.19M
EBITDA
-
Free Cash Flow
$14.28M
Operating Cash Flow
$40.71M
Shares Outstanding
4.49M
Gross Margin
0.00%
Payout Ratio
24.72%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FRAF Franklin Financial Services Corporation R2K 61.82 11.58 $277.76M 2.24% - 14.50% - 7.59%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 2.41M1.85M2.88M2.47M2.58M2.27M2.73M1.56M2.08M1.72M3.02M3.34M3.08M-7.26M3.50M-5.18M4.00M3.80M3.24M3.98M4.50M1.72M3.07M3.46M4.83M5.27M5.86M3.01M3.58M4.63M3.29M2.98M3.86M3.36M3.03M4.22M3.92M5.91M5.35M6.64M
Diluted EPS 0.570.440.680.580.610.530.640.360.480.400.700.770.70-1.670.80-1.180.910.860.730.901.030.390.710.791.091.191.310.670.801.050.750.680.880.770.660.950.881.321.191.48

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 6.58M7.61M6.57M5.37M6.23M8.40M10.20M8.09M2.18M6.12M16.11M12.80M19.62M14.94M13.60M11.10M21.23M
Diluted EPS 1.711.961.661.321.512.002.401.880.501.393.672.934.423.363.102.514.74

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --951.89M990.25M1.03B984.59M1.00B1.04B1.13B1.18B1.21B1.27B1.54B1.77B1.70B1.84B2.20B2.24B
Total Equity 73.06M78.77M82.64M87.18M91.63M95.39M103.52M111.38M116.49M115.14M118.40M127.53M145.18M157.06M114.20M132.14M144.72M175.24M
Cash & Equivalents 16.71M33.25M22.11M34.14M77.83M40.74M48.59M39.17M36.66M58.60M52.96M83.83M57.15M175.15M64.90M23.14M203.61M127.72M
Total Liabilities --869.25M903.07M935.73M889.20M897.93M923.92M1.01B1.06B1.09B1.14B1.39B1.62B1.59B1.70B2.05B2.06B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 8.62M12.36M15.09M10.56M--13.29M14.86M16.25M9.30M18.97M6.43M26.35M25.24M26.57M21.75M25.44M
Investing Cash Flow -60.82M12.26M-33.56M-4.51M---49.17M-102.67M-32.24M-47.49M-23.48M-277.31M-133.94M-95.06M-178.27M-184.37M-107.02M
Financing Cash Flow 68.74M-35.76M30.51M37.64M--26.45M85.31M37.93M32.54M35.39M244.20M225.59M-40.44M109.94M343.08M5.69M
Capital Expenditure -1.52M-2.12M-742.00K-2.30M-527.00K-345.00K-1.04M-579.00K---------
Free Cash Flow 7.09M10.24M14.35M8.26M--12.25M14.28M---------
Share Buybacks 160.00K------795.00K-88.00K3.85M1.17M1.19M3.33M2.39M827.00K1.10M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 8.4%9.2%7.5%5.9%6.5%8.1%9.2%6.9%1.9%5.2%12.6%8.8%12.5%13.1%10.3%7.7%12.1%
ROCE % -----------------

Shareholding Pattern

Insiders
6.50%
Institutions
34.05%
Public Float
36.42%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.02% 265.47K $16.74M
2 Vanguard Capital Management LLC 4.16% 183.41K $11.57M
3 Geode Capital Management, LLC 2.26% 99.85K $6.30M
4 Arrowstreet Capital, Limited Partnership 1.71% 75.44K $4.76M
5 State Street Corporation 1.63% 71.94K $4.54M
6 Elizabeth Park Capital Advisors, Ltd. 1.45% 63.91K $4.03M
7 Bridgeway Capital Management, LLC 1.34% 59.08K $3.73M
8 Goldman Sachs Group Inc 1.15% 50.84K $3.21M
9 Dimensional Fund Advisors LP 1.12% 49.39K $3.12M
10 American Century Companies Inc 1.11% 48.82K $3.08M

Analyst View

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Latest News

Recent headlines for FRAF

Google News Mon, 29 Jun 2026

Franklin Financial (FRAF) director receives 102-share stock fee award - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxPYW1SajdHUzE4ZnJxR3RxWVpMUkxfd0VwWVNZeWstMkxvZkJLSmFWT3E3N1RsclNHMHlfd1EtU0tFREp5dFkzajEzOGhjcUlBakY1eVp6WEMwT2VKYmV0VWZVNk1WZWlMbmtJUy0xejAta3FiWnNma1A2VVM5ZTlxblJXSHJvWXducWlmVE…

Google News hu, 23 Apr 2026

Here's Why We Think Franklin Financial Services (NASDAQ:FRAF) Might Deserve Your Attention Today - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxNU1BmRWdIV3NaMG1qRjNsOWVHdEJnbVkteUh2RjB0QU5FbmxPWlpZOEg0ajJBQUx4Mjh1WnhWT2ozUGtCSE02Q19RSVU4WVB0dE0wX1YwTExTY0E1NEF2OHpRdDdaTWNzLVBkSDJtckpRLW9TTUVXUmlvMi1EaWcxOFh3Z1owWDR6dW1OTk…

Google News ue, 07 Jul 2026

Why (FRAF) Price Action Is Critical for Tactical Trading - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQTmpRTHgxd1EtUU5OLXN6cDdSbC1EVHFJbnl6bGloUURDUlJTTGFlM05oaHA3aVZtM2ZUNHN3RElSZVZXOTNNZWFRMjlrTUlIbEZQc0dvUzg4VU9EYVVMdllZYmdKTGRqZVhpRkt1RWUxOFRLU2dGY1pHWTV5Ql9saWtvZmxLUV9kMldUdV…

Google News ue, 27 Jan 2026

Franklin Financial Reports 2025 Q4 and Year-to-Date Results; Declares Dividend - PR Newswire

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxOOWlRUDhZODR4MW5NNWVpYTd5RnJSVThFTlpqQ1JWbGJZbjZpTEsxWk45YmpUeXI1M0s4NERsT0VRRmpCam9IYWNhb3dyUjUtNzVNQzF3RVN6c3JvVDFCSFRiUTZmdGZzZVJIMWJDTWdEZ0gxMVpnYVl4bS1fUE1qdWdaUy1HblVHQWhnWk…

Google News Wed, 11 Mar 2026

Insider Purchase: Director at $FRAF Buys 2,200 Shares - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxPR09kLU84S2hvX0NkVjZQR0VDTDFReXJId3RlX0hkYTdvVXFjSWwxVDRjUlZrOEU5eW8wS0dwVHpBMmhzZy14ejE3YjNYNV9MM0xMaVdraXh5RTFDY1FNV0c4THVIWXdNQzZzY1djc2g0enA2V0JLQUpnRjFDa2ZCTjlEb0VySElwUlBJRX…

Google News Mon, 29 Jun 2026

Franklin Financial (NASDAQ: FRAF) director receives 78-share stock grant as board fees - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxQYXUwZ0VRbnBlSzFLRmkzUkVwUDVEWGhSaEJ2dEttT0ZMZjlYaENqTVRkN2tiSV9mdDE0ZGFuSmI1blNORHFHR1FSZG91ZHBWMTV0OWdBNjg2ZXZhbXV1V1dtNlhZbTFMX21TX2hvUGVfZXdHSTFrWEFIN2tKQlFMUHJnS0xMV3lHMmNkMH…

FRAF — Frequently Asked Questions

What is the current share price of Franklin Financial Services Corporation (FRAF)?

As of 2026-07-14 21:23 PDT, Franklin Financial Services Corporation (FRAF) trades at $61.82 on NasdaqCM. Its 52-week range is $37.31 to $64.00.

What is the market capitalisation of FRAF?

Franklin Financial Services Corporation (FRAF) has a market capitalisation of $277.76M on NasdaqCM.

What is the P/E ratio of FRAF?

FRAF trades at a trailing price-to-earnings (P/E) ratio of 11.58. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.53.

Does FRAF pay a dividend?

Franklin Financial Services Corporation (FRAF) currently offers a dividend yield of 2.24%.

What is the return on equity (ROE) of FRAF?

FRAF has a return on equity (ROE) of 14.50%.

Is FRAF a good stock to buy?

This page provides a data-driven analysis of Franklin Financial Services Corporation (FRAF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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