COMPANY SUMMARY
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, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
Financial Summary
| Share Statistics |
FRAF |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$283.8 |
$716.9 |
31% |
|
| Shares Out (Mil) |
4.5 |
15.7 |
13% |
|
| Institutional Ownership |
83.4% |
83.0% |
52% |
|
| Float (Mil) |
4.2 |
21.2 |
10% |
|
| Beta |
-0.02 |
0.48 |
6% |
|
| Avg Daily Volume (000s) |
42 |
53 |
27% |
|
Price Change (52-week) |
56.1% |
96.7% |
82% |
|
| Growth |
FRAF |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
10.4% |
7.6% |
60% |
|
| Net Income (5yr) |
10.6% |
11.1% |
56% |
|
| EPS (5yr) |
10.1% |
10.1% |
46 |
|
| Dividends (5yr) |
1.8% |
3.6% |
84% |
|
| Cash Flow (5yr) |
(22.7%) |
(17.0%) |
28% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
1 |
1 |
1 |
| Current EPS |
$1.450 |
$5.790 |
$6.590 |
| Month Ago EPS |
$1.450 |
$5.830 |
$6.480 |
| # Rev Up |
na |
0 |
1 |
| # Rev Down |
na |
1 |
0 |
| Three Months Ago EPS |
$1.450 |
$5.830 |
$6.480 |
| Year/Year Chg |
(2.0%) |
22.2% |
na |
| Financials |
FRAF |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$90 |
$190 |
26% |
|
| Net Income (TTM) (Mil) |
$24 |
$51 |
51% |
|
| EPS (TTM) |
$5.353 |
$2.500 |
87% |
|
| Operating Cash Flow (TTM) (Mil) |
$41 |
$34 |
46% |
|
| Net Cash Flow (TTM) (Mil) |
($14) |
$1 |
28% |
|
| Long-Term Debt (Q1) (Mil) |
$15 |
$100 |
31% |
|
| Enterprise Value (Q1) (Mil) |
na |
$0 |
na |
|
| Valuation |
FRAF |
Industry Median |
Percentile (All Stocks) |
| P/B |
1.59 |
1.27 |
42% |
|
| P/E |
11.8 |
12.9 |
23% |
|
| Dividend Yield |
2.2% |
2.2% |
78% |
|
| PEG (5yr hist) |
1.2 |
1.1 |
50% |
|
| Ratios |
FRAF |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
na |
68.8% |
na |
|
| Net Margin |
27.0% |
28.9% |
86% |
|
| ROA |
1.1% |
1.0% |
48% |
|
| ROE |
14.5% |
11.1% |
70% |
|
| Liabilities to Assets |
92.2% |
89.8% |
89% |
|
| F-Score |
5 |
4 |
51% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
FRAF meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.