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FRAFFranklin Financial Services Corporation
$61.22$275M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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FRAF logo

Franklin Financial Services Corporation

FRAF
NASDAQ · Regional Banks
$61.22
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$275M
P/E12.9x
52W High$65.41
Volume34.7K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Steady Interest Income Growth Offsets Margin Stagnation

Franklin Financial Services Corporation demonstrates a resilient growth trajectory, evidenced by net interest income rising from $13.5 million in 2024Q1 to $18.5 million in 2026Q1. While the bank maintains a fortress-like balance sheet with an equity-to-assets...

GrowthAccelerating
ProfitabilityModerate
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

FRAF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

2/12 Beats

EPS beat 2 of last 12 quarters

02

Valuation risk

-14% Peers

P/E is 14% below peer median

03

Market leadership

RS 77 · Avg

Average momentum (RS Rating: 77)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 24

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FRAF+27.18%
S&P 500 (^GSPC)+12.39%
1-Year Return
FRAF+28.25%
S&P 500 (^GSPC)+15.77%
3-Year Return
FRAF+130.99%
S&P 500 (^GSPC)+73.37%
5-Year Return
FRAF+113.97%
S&P 500 (^GSPC)+71.21%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
12.9x
Forward P/EExpansion
10.6x
EV/EBITDA75th %ile
12.7x
FCF YieldCash Flow
8.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.9x
10.6x
100th· High
EV/EBITDA
12.7x
11.0x
75th· Fair
Price/FCF
11.2x
8.4x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$89M+27.1% YoY
Net income
$21M+91.2% YoY
Free cash flow
$25M+28.1% YoY
Operating margin
19.7%+8.0 pts YoY
ROIC (TTM)5.2%
Avg ROIC 5Y-
ROE (TTM)13.3%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate2/12 (100%)
Revenue Beat Rate2/12 (100%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 24, 2026
$1.47+2.1%
vs $1.44
$25M+0.1%
vs $25M
Q2 2026
Apr 23, 2026
$1.48+10.4%
vs $1.34
$24M+3.5%
vs $23M
Q2 2026
Mar 13, 2026
$1.34
vs —
$34M
vs —
Q1 2026
Jan 27, 2026
$1.35
vs —
$24M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 17, 2026
Franklin Financial Services (NASDAQ:FRAF) and JPMorgan Chase & Co. (NYSE:JPM) Head to Head Review

Franklin Financial Services (NASDAQ: FRAF - Get Free Report) and JPMorgan Chase and Co. (NYSE: JPM - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, valuation, earnings, profitability and risk. Volatility and Risk Franklin Financial

Defense World·Sep 4, 2026
292,503 Shares in Franklin Financial Services Corp. $FRAF Bought by BlackRock Inc.

BlackRock Inc. purchased a new stake in shares of Franklin Financial Services Corp. (NASDAQ: FRAF) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm purchased 292,503 shares of the company's stock, valued at approximately $18,311,000. BlackRock Inc. owned 6.51% of

Defense World·Aug 11, 2026
Franklin Financial Services (NASDAQ:FRAF) vs. Cib Marine Bancshares (OTCMKTS:CIBH) Head-To-Head Contrast

Franklin Financial Services (NASDAQ: FRAF - Get Free Report) and Cib Marine Bancshares (OTCMKTS:CIBH - Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, analyst recommendations, earnings, dividends, valuation and profitability. Analyst Ratings This is a

24/7 Wall Street·Aug 5, 2026
7 Dividend Stocks You Must Buy Immediately to Get Paid in August

Here's an alert for income investors with a quick deadline. Seven small-bank dividend stocks all share the same imminent ex-dividend date: Friday, August 7.

Filtered for Franklin Financial Services CorporationMore Headlines
04

Compare before deciding

Benchmark FRAF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Franklin Financial Services Corporation (FRAF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FRAF logoFRAFFranklin Financial Services CorporationCurrent
$61.22$275.06M12.9227.08%15.89%13.27%2.12%
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
FUNC logoFUNCFirst United Corporation
$42.76$275.97M11.348.34%20.89%12.7%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—
PFIS logoPFISPeoples Financial Services Corp.
$68.51$685.85M11.6539.38%28.97%10.86%—

Compare FRAF vs Peers

Franklin Financial Services Corporation (FRAF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for FRAF.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare FRAF against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CZWI, FUNC, MNSB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FRAF SEC Filings & Documents

Franklin Financial Services Corporation (FRAF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 18, 2026·SEC

Material company update

Jul 24, 2026·SEC

Material company update

Jul 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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FRAF Frequently Asked Questions

Franklin Financial Services Corporation (FRAF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Franklin Financial Services Corporation growing?

Franklin Financial Services Corporation (FRAF) grew revenue by 27.1% over the past year. This is strong growth.

Is FRAF profitable?

Yes, Franklin Financial Services Corporation (FRAF) is profitable, generating $24.6M in net income for fiscal year 2025 (15.9% net margin).

Dividend & Returns
Does FRAF pay dividends?

Yes, Franklin Financial Services Corporation (FRAF) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.

What is FRAF's return on equity?

Franklin Financial Services Corporation (FRAF) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.

Industry Metrics
What is Franklin Financial Services Corporation's net interest margin?

Franklin Financial Services Corporation (FRAF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Franklin Financial Services Corporation's efficiency ratio?

Franklin Financial Services Corporation (FRAF) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FRAF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →