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Franklin Financial Services Corp

FRAF

51.570USD

+1.010+2.00%

Close 03/30, 16:00（ET）Quotes delayed by 15 min

209.23MMarket Cap

10.84P/E TTM



Franklin Financial Services Corp

51.570

+1.010+2.00%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Franklin Financial Services Corp

Currency: USD Updated: 2026-03-27

Key Insights

Franklin Financial Services Corp's fundamentals are relatively stable, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 84 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 59.00.In the medium term, the stock price is expected to remain stable.Despite a weak stock market performance over the past month, the company shows strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Franklin Financial Services Corp's Score

Industry at a Glance

Industry Ranking

84 / 400

Overall Ranking

149 / 4542

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Neutral

Franklin Financial Services Corp Highlights

StrengthsRisks

Franklin Financial Services Corporation is a bank holding company. The Company conducts substantially all of its business through its wholly owned direct banking subsidiary, Farmers and Merchants Trust Company of Chambersburg (the Bank). The Bank acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its community offices and electronic banking applications, the Bank offers a range of commercial and retail financial services, including the taking of time, savings, and demand deposits; the making of commercial, consumer and mortgage loans, and the providing of safe deposit services. The Bank also performs personal, corporate, pension and fiduciary services through its Wealth Management Department. The Bank has approximately 23 community banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, PA, and Washington County, MD.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 29.36% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 81.75M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 81.75M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 50.72%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 50.72%.

Overvalued

The company’s latest PB is 1.29, at a high 3-year percentile range.

Held by The Vanguard

Star Investor The Vanguard holds 234.01K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.63.

Analyst Rating

Based on 1 analysts

Buy

Current Rating

59.000

Target Price

+16.69%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-03-27

The current financial score of Franklin Financial Services Corp is 7.41, ranking 203 out of 400 in the Banking Services industry. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 21.66M, representing a year-over-year increase of 56.54%, while its net profit experienced a year-over-year increase of 1140.86%.

Score

Industry at a Glance

Previous score

7.41

Change



Financials

5.55

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

7.88

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

7.52

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.52

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.58

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Franklin Financial Services Corp's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of Franklin Financial Services Corp is 8.10, ranking 141 out of 400 in the Banking Services industry. Its current P/E ratio is 10.57, which is 52.19% below the recent high of 16.09 and 33.21% above the recent low of 7.06.

Score

Industry at a Glance

Previous score

8.10

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 84/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of Franklin Financial Services Corp is 8.00, ranking 56 out of 400 in the Banking Services industry.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 1 analysts

Buy

Current Rating

59.000

Target Price

+17.37%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

Franklin Financial Services Corp

FRAF

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-03-27

The current price momentum score of Franklin Financial Services Corp is 7.53, ranking 66 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 53.58 and the support level at 46.98, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.94

Change

-1.41

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.248

Neutral

RSI(14)

51.274

Neutral

STOCH(KDJ)(9,3,3)

85.652

Overbought

ATR(14)

1.463

Low Volatility

CCI(14)

80.374

Neutral

Williams %R

32.298

Buy

TRIX(12,20)

-0.101

Sell

StochRSI(14)

27.531

Sell

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

50.246

Buy

MA10

49.538

Buy

MA20

50.056

Buy

MA50

50.237

Buy

MA100

50.731

Buy

MA200

46.652

Buy

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Franklin Financial Services Corp is 3.00, ranking 251 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 30.41%, representing a quarter-over-quarter decrease of 2.24%. The largest institutional shareholder is The Vanguard, holding a total of 234.01K shares, representing 5.22% of shares outstanding, with 19.33% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

The Vanguard Group, Inc.

Star Investors

226.08K

+0.02%

BlackRock Institutional Trust Company, N.A.

188.75K

+10.31%

Fourthstone LLC

331.59K

-11.78%

Geode Capital Management, L.L.C.

97.77K

-0.46%

State Street Investment Management (US)

60.54K

+49.54%

Bridgeway Capital Management, LLC

64.15K

-0.87%

Dimensional Fund Advisors, L.P.

52.10K

-0.74%

Arrowstreet Capital, Limited Partnership

31.05K

-5.06%

Mowery (Donald H)

44.69K

-18.29%

American Century Investment Management, Inc.

31.54K

+49.13%

Risk Assessment

Currency: USD Updated: 2026-03-27

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Franklin Financial Services Corp is 7.25, ranking 182 out of 400 in the Banking Services industry. The company's beta value is -0.10. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. Franklin Financial Services Corp’s latest ESG disclosure leads the Banking Services industry, indicating outstanding, compliant performance across environmental management, social responsibility, and governance, which may help mitigate overall risk.