Franklin Financial Services Corporation (FRAF)

NCM – Real Time Price. Currency in USD

56.10

+0.14 (0.25%)

At close: May 12, 2026, 4:00 PM EDT

56.10

0.00 (0.00%)

After-hours: May 12, 2026, 5:42 PM EDT

Stock details

Previous close: 55.8$
Day's range: 55.24 - 55.93$
52-week range: 33.44 - 60$
Volume: 9 686
Average volume: 31 224
Beta: 0.71
EPS (TTM): 5.35
PE ratio (TTM): 10.45
Forward P/E: 9.57
Market cap: 250 649 583
Shares outstanding: 4 491 928
Dividend yield: $2.36 (2.36%)
Next earnings date: 2026-07-28
Sector: Financials
Industry: Banks - Regional

About the company

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate,... read more

CEO: Craig Best
Country: United States
IPO Date
Employees: 306
Fiscal Year End: January - December
Website: https://www.franklinfin.com

Revenue Breakdown

Community Banking / 85.64%

Unallocated / 7.49%

Wealth / 6.87%

News

No Data

There are no news for this stock.

Chart: FRAF

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Overall Score

4.2 / 1042%

Financial Strength

Profitability

4.6

Effectiveness

3.8

Growth

5.7

Forecast

4.1

Valuation

4.5

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $210.8M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.2) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.64	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.18	0.05	6.0
Debt to Assets	0.09	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	72M	92M	115M	134M	135M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	17M	16M	13M	26M	30M
Net Income	15M	14M	11M	21M	24M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	34.78	0.44	10
Net margin %	27.79	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.85	1.46	2.0
ROE	11.89	14.94	7.0
ROIC	4.94	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	10.13	23	8.5
Next year	5.26	11.15	6.0
Weighted average score			4.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-1.8	9.83	10.04	N/A	3.8
Y/Y	4.75	69.22	N/A	N/A	4.0
3y average	23.11	21.3	N/A	48.37	7.8
5y average	17.22	18.66	N/A	24.57	7.3
Weighted average score					5.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.37	11.16	6.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.00	3.37	4.8
P/B	1.50	1.53	5.6
Weighted average score			4.5

DCF Model

DCF Model PeriodN/A

Discount rateN/A

Perpetual growth rateN/A

Revenue 5 year CAGRN/A

FCF 5 year CAGRN/A

Fair valueN/A

Stock price55.83$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.83	2.83	7.0
Payout ratio	24.63	24.63	4.0
5-year dividend growth rate	1.77	1.77	3.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			4.0

Fair Value

$1

UndervaluedStock priceOvervalued

$55.83

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Craig Best

Country

United States

IPO Date

Employees

306

Fiscal Year End

January - December

Website

https://www.franklinfin.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.64

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.18

0.05

6.0

Debt to Assets

0.09

9.0

Interest coverage

N/A

Weighted average score

6.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

72M

92M

115M

134M

135M

Gross Profit

N/A

Operating Income

17M

16M

13M

26M

30M

Net Income

15M

14M

11M

21M

24M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

34.78

0.44

Net margin %

27.79

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.85

1.46

2.0

ROE

11.89

14.94

7.0

ROIC

4.94

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

10.13

8.5

Next year

5.26

11.15

6.0

Weighted average score

4.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-1.8

9.83

10.04

N/A

3.8

Y/Y

4.75

69.22

N/A

4.0

3y average

23.11

21.3

N/A

48.37

7.8

5y average

17.22

18.66

N/A

24.57

7.3

Weighted average score

5.7

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.37

11.16

6.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.00

3.37

4.8

P/B

1.50

1.53

5.6

Weighted average score

4.5

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.83

7.0

Payout ratio

24.63

4.0

5-year dividend growth rate

1.77

3.0

Years of dividend increase

1.00

2.0

Weighted average score

4.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Franklin Financial Services Corporation (FRAF)

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Franklin Financial Services Corporation (FRAF)

Stock details

About the company

Revenue Breakdown

News

Chart: FRAF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$55.83

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FRAF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1

$55.83

Economic Moat