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Franklin Financial Services Corporation (FRAF) Total Return Calculator with Dividends Reinvested

Franklin Financial Services Corporation

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The total return for Franklin Financial Services Corporation (FRAF) stock is +52.00% over the past 12 months. So far it's up 18.31% this year. The 5-year total return is +114.30%, meaning $10,000 invested in FRAF stock 5 years ago would be worth $21,430 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FRAF 1 year ago, it would be worth $15,274 today — you'd have gained $5,274 with dividends reinvested.

With Dividends Reinvested$15,274+52.74%

Price Only (No DRIP)$14,847+48.47%

Dividend Boost+$4274 payments · +4.27% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in FRAF

1Y$15,200+$5,200 (+52.0%)52.0% CAGR

3Y$24,745+$14,745 (+147.4%)35.3% CAGR

5Y$21,430+$11,430 (+114.3%)16.5% CAGR

10Y$29,374+$19,374 (+193.7%)11.4% CAGR

15Y$40,027+$30,027 (+300.3%)9.7% CAGR

20Y$31,197+$21,197 (+212.0%)5.9% CAGR

30Y$51,383+$41,383 (+413.8%)5.6% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-01	$0.33	$39.01	+0.008459
2025-11-07	$0.33	$46.06	+0.007225
2026-02-06	$0.33	$48.06	+0.006974
2026-05-01	$0.34	$57.14	+0.006085

Loading FRAF total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+18.31%	—	+16.94%	+1.37 pp	$11,831
1Y	+52.00%	52.00%	+48.55%	+3.45 pp	$15,200
3Y	+147.45%	35.26%	+131.66%	+15.79 pp	$24,745
5Y	+114.30%	16.47%	+91.63%	+22.67 pp	$21,430
10Y	+193.74%	11.38%	+143.49%	+50.26 pp	$29,374
15Y	+300.27%	9.69%	+214.40%	+85.88 pp	$40,027
20Y	+211.97%	5.85%	+128.42%	+83.55 pp	$31,197
30Y	+413.83%	5.61%	+248.90%	+164.92 pp	$51,383

Risk & Highlights

Best Year+76.10%2025

Worst Year-33.78%2011

Max Drawdown-16.28%2025-12-18 → 2026-02-05 · Recovered 2026-04-09

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+5.89%	+5.21%	+0.7pp	+0.41%	+5.5pp
2025	+76.10%	+71.62%	+4.5pp	+16.64%	+59.5pp
2024	+0.19%	-3.92%	+4.1pp	+24.00%	-23.8pp
2023	-8.01%	-11.60%	+3.6pp	+24.81%	-32.8pp
2022	+12.93%	+9.06%	+3.9pp	-19.95%	+32.9pp

FRAF outperformed the S&P 500 by 20.68pp over the past year (+52.00% vs +31.32%).

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FRAF Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FRAFFranklin Financial Services Corporation	$257M	+7.9%	+18.3%	+52.0%	+3.5pp	+147.4%	+114.3%	+193.7%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
CZWICitizens Community Bancorp, Inc.	$203M	+4.6%	+21.3%	+42.9%	+0.7pp	+159.5%	+73.4%	+156.6%
FUNCFirst United Corporation	$244M	+0.3%	+2.6%	+27.7%	+3.3pp	+213.3%	+129.8%	+283.2%
MNSBMainStreet Bancshares, Inc.	$175M	+2.9%	+18.6%	+24.1%	+2.6pp	+20.7%	+18.6%	+128.0%
PFISPeoples Financial Services Corp.	$589M	+7.2%	+23.5%	+34.4%	+5.4pp	+70.5%	+58.0%	+93.0%
FXNCFirst National Corporation	$249M	-0.4%	+12.8%	+44.4%	+3.3pp	+107.6%	+66.3%	+239.8%
NKSHNational Bankshares, Inc.	$234M	+0.3%	+11.2%	+47.8%	+5.8pp	+51.4%	+28.3%	+50.4%
CZFSCitizens Financial Services, Inc.	$307M	-0.2%	+15.7%	+15.2%	+3.5pp	-13.0%	+26.6%	+96.3%
PBFSPioneer Bancorp, Inc.	$366M	+4.5%	+9.8%	+29.4%	—	+69.7%	+22.8%	-0.9%
FISFidelity National Information Services, Inc.	$23.8B	-1.5%	-29.3%	-37.3%	+2.2pp	-8.8%	-64.0%	-14.4%

Compare:FRAF vs NBTB FRAF vs CZWI FRAF vs FUNC FRAF vs NBTB vs CZWI

About FRAF Dividend Returns

Franklin Financial Services Corporation (FRAF) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FRAF over the past year?

Franklin Financial Services Corporation (FRAF) delivered a total return of 52.00% over the past year when dividends are reinvested. The price-only return was 48.55%, meaning dividends contributed an additional 3.45 percentage points to total returns.

Q2How much would $10,000 invested in FRAF be worth today?

A $10,000 investment in Franklin Financial Services Corporation one year ago would be worth $15,200 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $14,855. Dividend reinvestment added $345 to the portfolio value.

Q3Does FRAF pay dividends?

Yes, Franklin Financial Services Corporation (FRAF) pays dividends. In the last year, FRAF paid approximately $1.30 per share in dividends (2.27% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FRAF beat the S&P 500?

Yes, Franklin Financial Services Corporation (FRAF) outperformed the S&P 500 by 20.68 percentage points over the past year. FRAF delivered a total return of 52.00%, compared to the S&P 500's 31.32%. This 20.68pp alpha means investors in FRAF earned more than a passive S&P 500 index fund.

Q5What is FRAF's worst drawdown?

Franklin Financial Services Corporation (FRAF) experienced a maximum drawdown of -16.28% over the past year, declining from its peak on 2025-12-18 to its trough on 2026-02-05. The stock recovered to its prior peak by 2026-04-09. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FRAF's long-term total return over 10, 20, or 30 years?

Here are Franklin Financial Services Corporation (FRAF)'s long-term returns with dividends reinvested. Over 10 years, the total return is 193.7% (11.4% CAGR) — $10,000 would have grown to $29,374. Over 20 years: 212.0% total return (5.9% CAGR) — $10,000 → $31,197. Over 30 years: 413.8% total return (5.6% CAGR) — $10,000 → $51,383. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FRAF's best and worst year?

Franklin Financial Services Corporation's best calendar year was 2025 with a total return of 76.1%. Its worst year was 2011 with a total return of -33.8%. This range shows the volatility investors should expect — the difference between the best and worst year is 109.9 percentage points.