Stock Evaluator: Franklin Financial Services Corporation (FRAF)

Franklin Financial Services Corporation FRAF

$63.16 0.05 0.08%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 28,766
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
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.

Commentary & Analysis


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:

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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