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Franklin Financial Services Corp

FRAF

48.060USD

+0.740+1.56%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

215.36MMarket Cap

10.14P/E TTM



Franklin Financial Services Corp

48.060

+0.740+1.56%

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: 2026-02-06

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 205 out of 397 in the Banking Services industry.Institutional ownership is very high.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

205 / 397

Overall Ranking

343 / 4521

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 40.55% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 88.82M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 88.82M.

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 1.23, 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 0 analysts

Current Rating

Target Price

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: 2026-02-06

The current financial score of Franklin Financial Services Corp is 7.26, ranking 216 out of 397 in the Banking Services industry. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 23.31M, representing a year-over-year increase of 68.46%, while its net profit experienced a year-over-year increase of 1140.86%.

Score

Industry at a Glance

Previous score

7.26

Change



Financials

5.42

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

7.76

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

7.44

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.17

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.50

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: 2026-02-06

The current valuation score of Franklin Financial Services Corp is 8.10, ranking 142 out of 397 in the Banking Services industry. Its current P/E ratio is 10.14, which is 58.65% below the recent high of 16.09 and 30.37% 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 205/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for Franklin Financial Services Corp. The Banking Services industry's average is 7.33.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

No Data

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: 2026-02-06

The current price momentum score of Franklin Financial Services Corp is 7.16, ranking 326 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 53.40 and the support level at 43.94, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.03

Change

0.13

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(5)

Neutral(1)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.509

Sell

RSI(14)

42.270

Neutral

STOCH(KDJ)(9,3,3)

33.036

Sell

ATR(14)

2.499

Low Volatility

CCI(14)

-100.750

Sell

Williams %R

65.272

Sell

TRIX(12,20)

-0.211

Sell

StochRSI(14)

22.400

Buy

Moving Average

Sell(5)

Neutral(0)

Buy(1)

Indicators

Value

Direction

MA5

49.092

Sell

MA10

49.329

Sell

MA20

50.405

Sell

MA50

51.922

Sell

MA100

49.351

Sell

MA200

44.644

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Franklin Financial Services Corp is 3.00, ranking 252 out of 397 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 5.29% of shares outstanding, with 20.84% 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 %

Fourthstone LLC

331.59K

-11.78%

The Vanguard Group, Inc.

Star Investors

226.08K

+0.02%

BlackRock Institutional Trust Company, N.A.

188.75K

+10.31%

Geode Capital Management, L.L.C.

97.77K

-0.46%

Bridgeway Capital Management, LLC

64.15K

-0.87%

State Street Investment Management (US)

60.54K

+49.54%

Dimensional Fund Advisors, L.P.

52.10K

-0.74%

Mowery (Donald H)

44.69K

-18.29%

Marshall Wace LLP

43.58K

-4.15%

Logan Capital Management, Inc.

40.55K

Risk Assessment

Currency: USD Updated: 2026-02-06

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 397 in the Banking Services industry. The company's beta value is -0.07. 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.