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FRAF Stock Chart & Stats
$62.10
$0.91(1.46%)
At close: 4:00 PM EDT
$62.10
$0.91(1.46%)
Day’s Range― - ―
52-Week Range$44.99 - $65.41
Previous CloseN/A
Volume12.59K
Average Volume (3M)42.12K
Market Cap
$282.57M
Enterprise Value$471.43M
Total Cash (Recent Filing)$647.38M
Total Debt (Recent Filing)$215.11M
Price to Earnings (P/E)11.4
Beta0.53
Next Earnings
Oct 27, 2026EPS Estimate
1.45Next Dividend Ex-DateN/A
Dividend Yield2.13%
Share Statistics
EPS (TTM)5.49
Shares Outstanding4,499,582
10 Day Avg. Volume42,775
30 Day Avg. Volume42,123
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 Cap1.67
Enterprise Value/Revenue3.49
Enterprise Value/Gross Profit5.18
Enterprise Value/Ebitda14.37
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
Revenue And Profitability GrowthThe sharp TTM revenue increase and improved profitability indicate stronger operating performance across the banking franchise. Higher margins can support internal capital generation, strengthen resilience, and provide resources for continued lending, technology investment, and shareholder returns over the coming quarters.
Strong Cash GenerationSubstantial operating and free cash flow, together with free cash flow equal to about 97% of net income, indicates strong earnings conversion. That cash generation can support dividends, balance-sheet investment, and business growth while reducing reliance on external funding.
Stable And Growing DividendMaintaining the quarterly dividend while increasing it year over year signals confidence in recurring earnings and cash-generation capacity. A consistent shareholder distribution can also reinforce investor appeal and reflects management’s willingness to return capital while sustaining the operating franchise.
Bears Say
Elevated LeverageAlthough leverage improved from 2024, debt remains sizable relative to equity and is materially above the company’s very low levels in 2021–2022. This reduces financial flexibility and could constrain capital allocation if credit conditions weaken or balance-sheet support becomes more necessary.
Weak Operating Cash CoverageThe very low reported operating cash flow coverage ratio implies limited coverage relative to the referenced balance-sheet obligation, despite improving absolute cash generation. That mismatch is a continuing balance-sheet risk because it may restrict flexibility when obligations rise or credit performance deteriorates.
Margins Below Historical PeaksRecent margins have rebounded, but they have not returned to the stronger levels achieved in 2021–2022. This suggests profitability remains exposed to the banking cycle and may limit sustainable earnings expansion if operating conditions do not support a further recovery in spreads or efficiency.
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 $44.99 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 $282.57M.
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 4 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 2.13%. 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
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
44.78%
12-Months-Change
Fundamentals
Return on Equity
14.00%
Trailing 12-Months
Asset Growth
2.12%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
6.00% Insiders
9.00% Mutual Funds
1.96% Other Institutional Investors
69.21% Public Companies and
Individual Investors