Want to see FRAF full AI Analyst Report?
FRAF Stock Chart & Stats
$58.47
$0.62(2.19%)
At close: 4:00 PM EST
$58.47
$0.62(2.19%)
Day’s Range― - ―
52-Week Range$36.70 - $64.88
Previous CloseN/A
Volume354.00
Average Volume (3M)51.03K
Market Cap
$285.85M
Enterprise Value$461.81M
Total Cash (Recent Filing)$23.98M
Total Debt (Recent Filing)$215.24M
Price to Earnings (P/E)11.9
Beta0.37
Next Earnings
Jul 28, 2026EPS Estimate
1.44Next Dividend Ex-DateN/A
Dividend Yield2.51%
Share Statistics
EPS (TTM)5.34
Shares Outstanding4,493,032
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 Cap1.62
Enterprise Value/Revenue3.44
Enterprise Value/Gross Profit5.16
Enterprise Value/Ebitda14.48
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.83
Revenue Forecast (FY)$96.40M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistent high free cash flow (FCF ~$40M, ~0.98x net income) provides durable internal funding for lending, capital needs and dividends. Strong cash conversion supports balance-sheet resilience, reduces reliance on external funding and underpins shareholder returns over the medium term.
Improving ProfitabilityRising net margin to ~17.8% and improving EBIT margins reflect better pricing or efficiency, increasing sustainable earnings power. Improved profitability boosts return on equity and enhances the firm’s ability to self-fund growth, absorb credit losses, and maintain dividends through cycles.
Governance And Dividend GrowthA modest dividend increase combined with shareholder approval of the board and auditor signals stable governance and management discipline. This continuity and willingness to return cash indicate predictable capital allocation and a durable commitment to shareholder distributions.
Bears Say
Elevated LeverageLeverage at ~1.18x limits financial flexibility and increases vulnerability to credit stress or funding shocks. Even with improvement, higher debt relative to equity constrains capital deployment, raises interest burden risk, and can amplify earnings volatility in adverse economic conditions.
Volatile Cash Flow ConversionYear-to-year swings in free cash flow and conversion ratios undermine predictability of internally available capital. Such variability complicates planning for dividends, loan growth and reserves, raising the risk that payouts or investments must be cut in weaker periods.
Profitability Volatility Across CyclesMaterial margin swings historically indicate earnings are sensitive to cycle, mix or interest-rate dynamics. This structural volatility makes earnings and capital planning less predictable and can increase the likelihood of abrupt adjustments to lending, provisioning or shareholder returns.
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 $36.70 and its highest was $64.88 in the past 12 months.
What is Franklin Financial Services Corporation’s market cap?
Franklin Financial Services Corporation’s market cap is $285.85M.
When is Franklin Financial Services Corporation’s upcoming earnings report date?
Franklin Financial Services Corporation’s upcoming earnings report date is Jul 28, 2026 which is in 22 days.
How were Franklin Financial Services Corporation’s earnings last quarter?
Franklin Financial Services Corporation released its earnings results on Apr 23, 2026. The company reported $1.48 earnings per share for the quarter, beating the consensus estimate of $1.34 by $0.14.
Is Franklin Financial Services Corporation overvalued?
According to Wall Street analysts Franklin Financial Services Corporation’s price is currently Overvalued.
Does Franklin Financial Services Corporation pay dividends?
Franklin Financial Services Corporation pays a Quarterly dividend of $0.34 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 1.44.
How many shares outstanding does Franklin Financial Services Corporation have?
Franklin Financial Services Corporation has 4,493,032 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 $1.48 in its last earnings report, beating expectations of $1.34. Following the earnings report the stock price went down -0.41%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
FRAF Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $78.8K 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
14.13%
Trailing 12-Months
Asset Growth
1.77%
Trailing 12-Months
Company Description
Franklin Financial Services Corporation
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Technical Analysis
Hawthorn Bancshares
―
OP Bancorp
―
First National
―
Eagle Financial Services
―
Virginia National Bankshares
―
Ownership Overview
5.93% Insiders
9.01% Mutual Funds
5.53% Other Institutional Investors
67.40% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---