Franklin Financial's net interest income reached $19.3M in 2026Q2, up 13.5% year over year as NIM improved to 0.8% and the efficiency ratio fell to 42.9% from 46.8%, suggesting operating leverage is developing even as NII growth decelerates from the 25.1% pace of 2025Q4.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 27, 2026 | $1.89+30.3% vs $1.45 | $26M+3.8% vs $25M |
Q3 2026 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 |
Q1 2026 Jan 27, 2026 | $1.35 vs — | $24M vs — |
CHAMBERSBURG, Pa., Oct. 27, 2026 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter and year-to-date 2026 financial results.
Orion Digital (NASDAQ: ORIO - Get Free Report) and Franklin Financial Services (NASDAQ: FRAF - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, earnings, dividends, institutional ownership, profitability and analyst recommendations. Profitability This table compares Orion Digital
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
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
Benchmark FRAF against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Franklin Financial Services Corporation (FRAF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $69.08 | $310.38M | 11.17 | 27.08% | 28.59% | 15.56% | 1.88% | |
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% | |
| $45.92 | $296.36M | 11.74 | 8.34% | 26.97% | 12.11% | 2% | |
| $22.11 | $157.37M | 9.58 | 12.18% | 22.04% | 7.61% | 1.8% | |
| $72.24 | $723.19M | 11.97 | 39.38% | 30.08% | 11.49% | 3.39% |
Franklin Financial Services Corporation (FRAF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Franklin Financial Services Corporation (FRAF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 18, 2026·SEC
Jul 24, 2026·SEC
Jul 24, 2026·SEC
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Franklin Financial Services Corporation (FRAF) stock FAQ — growth, dividends, profitability & financials explained
Franklin Financial Services Corporation (FRAF) grew revenue by 22.4% over the trailing twelve months, compared with the twelve months before.
Yes. Franklin Financial Services Corporation (FRAF) earned $27.8M in net income over the trailing twelve months (a 28.6% net margin).
Yes. Franklin Financial Services Corporation (FRAF) pays a dividend that yields 1.88% at the current price, a moderate yield.
Franklin Financial Services Corporation (FRAF) had a return on equity (ROE) of 15.6% over the trailing twelve months. That is above the market's typical 10-15%.
Franklin Financial Services Corporation (FRAF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Franklin Financial Services Corporation (FRAF) has an efficiency ratio of 67.2%. This is higher than peers, suggesting room for cost optimization.
