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FRAF Stock Chart & Stats
$62.28
$0.91(1.46%)
At close: 4:00 PM EDT
$62.28
$0.91(1.46%)
Day’s Range― - ―
52-Week Range$42.98 - $65.41
Previous CloseN/A
Volume12.59K
Average Volume (3M)51.03K
Market Cap
$279.02M
Enterprise Value$471.43
Total Cash (Recent Filing)$647.38M
Total Debt (Recent Filing)$215.11M
Price to Earnings (P/E)11.3
Beta0.47
Next Earnings
Oct 27, 2026EPS Estimate
1.45Next Dividend Ex-DateN/A
Dividend Yield2.16%
Share Statistics
EPS (TTM)5.49
Shares Outstanding4,499,582
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.79
Revenue Forecast (FY)$98.90M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash FlowFranklin consistently converts earnings to cash: TTM operating cash flow ~$42.3M and FCF ~$41M, with FCF tracking ~97% of net income and 259% growth. Durable cash generation supports reinvestment, dividend sustainability and buffers in downturns.
Revenue And Profit MomentumSustained revenue acceleration and improved margins reflect stronger loan yields and fee mix, driving durable profitability. Higher operating profitability and margin recovery increase internal capital generation and support longer-term earnings stability across cycles.
Stable, Rising Dividend PolicyA steady, slightly rising quarterly payout signals conservative capital allocation and management confidence in cash flows. For a regional bank, a consistent dividend policy supports investor trust and indicates recurring earnings and capital planning discipline.
Bears Say
Elevated LeverageLeverage has structurally stepped up versus 2021–22 and debt remains sizable, which reduces financial flexibility. In a weaker credit or rising-rate backdrop, elevated debt ratios can stress capital buffers, constrain lending growth, and limit strategic options.
Low Operating Cash Flow Coverage RatioDespite strong absolute cash generation, an extremely low operating cash flow coverage ratio flags limited coverage of certain balance-sheet obligations. This structural metric suggests potential susceptibility to funding shocks or one-off drains on liquidity.
Margins Not Fully Recovered To Peak LevelsWhile margins have improved, they remain below prior cycle highs, indicating sensitivity to interest-rate, funding mix, and competitive pressures. This structural margin gap suggests profitability may face headwinds if loan yields compress or deposit costs rise.
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 $42.98 and its highest was $65.41 in the past 12 months.
What is Franklin Financial Services Corporation’s market cap?
Franklin Financial Services Corporation’s market cap is $279.02M.
When is Franklin Financial Services Corporation’s upcoming earnings report date?
Franklin Financial Services Corporation’s upcoming earnings report date is Oct 27, 2026 which is in 65 days.
How were Franklin Financial Services Corporation’s earnings last quarter?
Franklin Financial Services Corporation released its earnings results on Jul 24, 2026. The company reported $1.47 earnings per share for the quarter, beating the consensus estimate of $1.441 by $0.029.
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 2.16%. 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 1.45.
How many shares outstanding does Franklin Financial Services Corporation have?
Franklin Financial Services Corporation has 4,499,582 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 $1.47 in its last earnings report, beating expectations of $1.441. Following the earnings report the stock price went down -0.844%.
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
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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
2.16%
Trailing 12-Months
Asset Growth
2.12%
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
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OP Bancorp
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First National
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Eagle Financial Services
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Virginia National Bankshares
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Ownership Overview
6.03% Insiders
9.00% Mutual Funds
7.03% Other Institutional Investors
64.99% Public Companies and
Individual Investors