Franklin Financial Services AI Stock Analysis
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Franklin Financial Services (FRAF) AI Stock Analysis
Franklin Financial Services
(NASDAQ:FRAF)
The score is driven primarily by improving financial performance (higher profitability and strong cash conversion) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is also favorable with a modest P/E and a dividend yield, while the dividend increase is an additional positive corporate event.
Franklin Financial Services (FRAF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $314.53M
- Dividend Yield
- 1.93%
- Average Volume (3M)
- 44.43K
- Price to Earnings (P/E)
- 11.3
- Beta (1Y)
- 0.58
- Revenue Growth
- 7.25%
- EPS Growth
- 76.40%
- Country
- US
- Employees
- 306
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Franklin Financial Services Business Overview & Revenue Model
Company Description
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 servic...
How the Company Makes Money
FRAF makes money primarily through its bank subsidiary by (1) earning net interest income—the spread between interest earned on interest-earning assets (such as commercial, real estate, and consumer loans and certain investment securities) and intere...
Franklin Financial Services Financial Statement Overview
Summary
Strong recent operating improvement: TTM revenue is ~$136.2M with very high reported growth (0.81), net margin improved to ~20.4% (from ~15.9% in 2025 and ~9.8% in 2024), and cash conversion is solid with FCF nearly matching net income (~0.98). Offsetting factors are moderate balance-sheet leverage (debt-to-equity ~1.19) and historical volatility in margins and cash flow growth.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 136.18M | 133.55M | 113.83M | 90.38M | 70.27M | 63.98M |
| Gross Profit | 94.59M | 85.92M | 67.91M | 64.53M | 64.76M | 63.18M |
| EBITDA | 36.26M | 28.41M | 15.40M | 17.77M | 18.93M | 24.22M |
| Net Income | 27.83M | 21.23M | 11.10M | 13.60M | 14.94M | 19.62M |
Balance Sheet | ||||||
| Total Assets | 2.36B | 2.24B | 2.20B | 1.84B | 1.70B | 1.77B |
| Cash, Cash Equivalents and Short-Term Investments | 19.78M | 229.81M | 524.10M | 501.87M | 565.71M | 715.45M |
| Total Debt | 210.86M | 214.69M | 223.96M | 154.48M | 25.77M | 24.45M |
| Total Liabilities | 2.19B | 2.06B | 2.05B | 1.70B | 1.59B | 1.62B |
| Stockholders Equity | 177.71M | 175.24M | 144.72M | 132.14M | 114.20M | 157.06M |
Cash Flow | ||||||
| Free Cash Flow | 46.37M | 24.58M | 19.19M | 26.07M | 13.03M | 17.54M |
| Operating Cash Flow | 47.50M | 25.44M | 21.75M | 26.57M | 25.24M | 26.35M |
| Investing Cash Flow | -100.38M | -107.02M | -184.37M | -178.27M | -95.06M | -133.94M |
| Financing Cash Flow | 48.34M | 5.69M | 343.08M | 109.94M | -40.44M | 225.59M |
Franklin Financial Services Technical Analysis
Price Trends
Market Momentum
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 69.88 is above the 20-day moving average (MA) of 66.96, above the 50-day MA of 64.43, and above the 200-day MA of 58.33, indicating a bullish trend. The MACD of 1.96 indicates Negative momentum. The RSI at 64.30 is Neutral, neither overbought nor oversold. The STOCH value of 39.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FRAF.
Franklin Financial Services Risk Analysis
Franklin Financial Services disclosed 13 risk factors in its most recent earnings report. Franklin Financial Services reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksFranklin Financial Services Peers Comparison
Overall Rating
VABK81Outperform
EFSI76Outperform- FRAF74Outperform
HWBK74Outperform
FXNC71Outperform
OPBK70Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| VABK | 81Outperform | $289.38M | 10.85 | 14.18% | 2.69% | 7.74% | 49.05% |
| EFSI | 76Outperform | $248.41M | 13.94 | 9.27% | 2.70% | 17.02% | 47.37% |
| FRAF | 74Outperform | $315.86M | 11.27 | 15.56% | 1.93% | 7.25% | 76.40% |
| HWBK | 74Outperform | $287.13M | 9.95 | 15.12% | 2.11% | 5.50% | 18.90% |
| FXNC | 71Outperform | $273.98M | 11.88 | 12.06% | 2.24% | 0.88% | 103.52% |
| OPBK | 70Outperform | $222.05M | 7.44 | 12.79% | 3.59% | 7.48% | 28.18% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FRAF | Franklin Financial Services | 69.88 | 22.20 | 46.55% | |
| HWBK | Hawthorn Bancshares | 39.30 | 8.24 | 26.54% | |
| OPBK | Op Bancorp | 15.03 | 2.18 | 16.97% | |
| FXNC | First National Corp | 30.30 | 6.79 | 28.88% | |
| EFSI | Eagle Financial Services | 46.00 | 11.09 | 31.78% | |
| VABK | Virginia National Bankshares Corporation | 53.61 | 14.61 | 37.47% |
Franklin Financial Services Corporate Events
Franklin Financial Services Raises Fourth-Quarter Dividend Again
PositiveOn October 15, 2026, Franklin Financial Services Corporation’s board declared a regular cash dividend of $0.34 per share for the fourth quarter of 2026, matching the third quarter payout. The dividend, which represents a 3.0% increase over the $0.33...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 10, 2026