Franklin Financial Services (FRAF) AI Stock Analysis

• Market Cap: $255.30M
• Dividend Yield: 2.51%
• Average Volume (3M): 51.03K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.20
• Revenue Growth: 12.06%
• EPS Growth: 10.38%
• Country: US
• Employees: 306
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.34
• Shares Outstanding: 4,482,893
• 10 Day Avg. Volume: 79,380
• 30 Day Avg. Volume: 51,030
• PEG Ratio: 0.12
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 1.69
• P/FCF Ratio: 9.19
• Enterprise Value/Market Cap: 1.75
• Enterprise Value/Revenue: 3.38
• Enterprise Value/Gross Profit: 5.27
• Enterprise Value/Ebitda: 15.75
• 1Y Price Target: $59.00
• Price Target Upside: 3.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $61.00 ▲(7.11% Upside)
• Action: Upgraded Date: 03/14/26
• Date: Action: Upgraded 03/14/26

The score is driven primarily by improving fundamentals (stronger 2025 profitability, solid cash conversion, and sharply better leverage) and supported by a reasonable P/E with a moderate dividend yield. These positives are tempered by weaker near-term technical momentum (below key short/intermediate moving averages with negative MACD).

Positive Factors

Sustained Revenue Expansion

Material revenue growth over multiple years indicates expanding core banking activity and market penetration. That durable top-line expansion supports operating leverage, funds reinvestment in branches/digital channels, and provides a sturdier base to absorb credit or rate shocks over the next several quarters.

Negative Factors

Margin Volatility / Normalization Risk

Historic swings in net margin suggest earnings are sensitive to rate/mix, credit trends or one-time items. Persistent normalization below peak levels could cap long-term profitability and make forecastable earnings growth more difficult across the next several quarters.

Franklin Financial Services Business Overview & Revenue Model

Company Description

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, go...

Read more

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, go...

How the Company Makes Money

Franklin Financial Services primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets (notably loans to consumers and bus...

Read more

Franklin Financial Services primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets (notably loans to consumers and bus...

Franklin Financial Services Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	133.55M	113.83M	90.38M	70.27M	63.98M
Gross Profit	85.92M	67.91M	64.53M	64.76M	63.18M
EBITDA	26.27M	15.40M	17.77M	18.93M	24.22M
Net Income	21.23M	11.10M	13.60M	14.94M	19.62M
Balance Sheet
Total Assets	2.24B	2.20B	1.84B	1.70B	1.77B
Cash, Cash Equivalents and Short-Term Investments	477.03M	524.10M	501.87M	565.71M	715.45M
Total Debt	214.69M	223.96M	154.48M	25.77M	24.45M
Total Liabilities	2.06B	2.05B	1.70B	1.59B	1.62B
Stockholders Equity	175.24M	144.72M	132.14M	114.20M	157.06M
Cash Flow
Free Cash Flow	24.58M	19.19M	26.07M	13.03M	17.54M
Operating Cash Flow	25.44M	21.75M	26.57M	25.24M	26.35M
Investing Cash Flow	-107.02M	-184.37M	-178.27M	-95.06M	-133.94M
Financing Cash Flow	5.69M	343.08M	109.94M	-40.44M	225.59M

Franklin Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 56.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FRAF, the sentiment is Positive. The current price of 56.95 is above the 20-day moving average (MA) of 50.87, above the 50-day MA of 50.52, and above the 200-day MA of 46.93, indicating a bullish trend. The MACD of 1.17 indicates Negative momentum. The RSI at 73.45 is Negative, neither overbought nor oversold. The STOCH value of 93.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FRAF.

Franklin Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRAF	73 Outperform	$255.30M	10.64	9.91%	2.51%	12.06%	10.38%
OPBK	69 Neutral	$210.85M	8.19	11.75%	3.32%	9.10%	12.36%
VABK	69 Neutral	$215.91M	11.15	11.02%	3.41%	1.11%	14.44%
HWBK	68 Neutral	$241.01M	10.24	14.66%	2.39%	0.16%	258.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FXNC	63 Neutral	$262.73M	12.82	9.98%	2.49%	48.94%	11.61%
EFSI	58 Neutral	$209.78M	26.01	6.63%	3.11%	-1.45%	-31.32%

Franklin Financial Services Corporate Events