Franklin Financial Services Corporation (FRAF)
NASDAQ:FRAF
FRAF Stock Chart & Stats
$56.60
$0.62(2.19%)
At close: 4:00 PM EST
$56.60
$0.62(2.19%)
Day’s Range― - ―
52-Week Range$33.44 - $59.95
Previous CloseN/A
Volume354.00
Average Volume (3M)51.03K
Market Cap
$254.24M
Enterprise Value$445.97M
Total Cash (Recent Filing)$229.81M
Total Debt (Recent Filing)$214.69M
Price to Earnings (P/E)10.6
Beta0.26
Next Earnings
Apr 28, 2026EPS Estimate
1.34Next Dividend Ex-DateN/A
Dividend Yield2.51%
Share Statistics
EPS (TTM)1.34
Shares Outstanding4,491,928
10 Day Avg. Volume79,380
30 Day Avg. Volume51,030
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.29
Price to Sales (P/S)1.69
P/FCF Ratio9.19
Enterprise Value/Market Cap1.75
Enterprise Value/Revenue3.37
Enterprise Value/Gross Profit5.25
Enterprise Value/Ebitda15.70
Forecast
1Y Price Target
$59.00Price Target Upside4.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Deleveraged Balance SheetMaterial deleveraging meaningfully reduces financial risk and increases capital flexibility. With debt down and equity expanded, the bank can support lending growth, absorb credit stress, sustain dividends or repurchase programs, and rely less on costly wholesale funding over the medium term.
Sustained Revenue ExpansionConsistent multi-year revenue growth reflects successful franchise expansion and stronger loan/fee generation. A doubling of revenue over five years supports scale benefits and operating leverage, helping earnings resilience and reinvestment capacity across the next several quarters.
Strong Cash GenerationHigh cash conversion and near-parity of FCF to net income indicate earnings quality and internal funding ability. Reliable operating cash supports dividends, branch/tech investment, and loan originations without heavy external financing, bolstering long-term financial durability.
Bears Say
Margin VolatilityHistoric margin swings reduce predictability of earnings and make long-term margin planning harder. If margins compress from mix shifts or competitive deposit pressures, sustained profitability could be weaker than recent rebound implies, constraining capital allocation and investor visibility.
Uneven Cash Flow HistoryIrregular FCF growth undermines confidence in steady internal funding for dividends and growth. Variability across economic cycles can force reliance on capital markets or slower loan growth during stress, limiting durable capital return policies and reinvestment plans.
Sharp Leverage Swing RiskA large, rapid shift in leverage can mask one-time adjustments rather than structural improvement. If deleveraging proves transient or achieved via asset sales, the balance sheet could re-lever under stress, creating strategic and regulatory uncertainty for capital planning over the medium term.
Franklin Financial Services News
FRAF FAQ
What was Franklin Financial Services Corporation’s price range in the past 12 months?
Franklin Financial Services Corporation lowest stock price was $33.44 and its highest was $59.95 in the past 12 months.
What is Franklin Financial Services Corporation’s market cap?
Franklin Financial Services Corporation’s market cap is $254.24M.
When is Franklin Financial Services Corporation’s upcoming earnings report date?
Franklin Financial Services Corporation’s upcoming earnings report date is Apr 28, 2026 which is in 15 days.
How were Franklin Financial Services Corporation’s earnings last quarter?
Franklin Financial Services Corporation released its earnings results on Jan 27, 2026. The company reported $1.345 earnings per share for the quarter, beating the consensus estimate of N/A by $1.345.
Is Franklin Financial Services Corporation overvalued?
According to Wall Street analysts Franklin Financial Services Corporation’s price is currently Undervalued.
Does Franklin Financial Services Corporation pay dividends?
Franklin Financial Services Corporation pays a Quarterly dividend of $0.33 which represents an annual dividend yield of 2.51%. See more information on Franklin Financial Services Corporation dividends here
What is Franklin Financial Services Corporation’s EPS estimate?
Franklin Financial Services Corporation’s EPS estimate is 1.34.
How many shares outstanding does Franklin Financial Services Corporation have?
Franklin Financial Services Corporation has 4,491,928 shares outstanding.
What happened to Franklin Financial Services Corporation’s price movement after its last earnings report?
Franklin Financial Services Corporation reported an EPS of $1.345 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.068%.
Which hedge fund is a major shareholder of Franklin Financial Services Corporation?
Currently, no hedge funds are holding shares in FRAF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Franklin Financial Services Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$59.00 (4.24% Upside)
$59.00 (4.24% Upside)
Blogger Sentiment
Neutral
FRAF Sentiment 100%
Sector Average 67%
Sector Average 67%
Insider Transactions
Bought Shares
Worth $106.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
74.70%
12-Months-Change
Fundamentals
Return on Equity
9.91%
Trailing 12-Months
Asset Growth
6.77%
Trailing 12-Months
Company Description
Franklin Financial Services Corporation
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
FRAF Stock 12 Month Forecast
Average Price Target
$59.00
▲(4.24% Upside)
Technical Analysis
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Ownership Overview
7.00% Insiders
8.94% Mutual Funds
8.82% Other Institutional Investors
64.65% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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