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Franklin Financial Services Corp

FRAF

48.770USD

+0.970+2.03%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

217.90MMarket Cap

14.99P/E TTM



Franklin Financial Services Corp

48.770

+0.970+2.03%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-17

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered overvalued,and institutional recognition is very high. Despite a weak stock market performance, 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.

Score

Industry at a Glance

Industry Ranking

159 / 400

Overall Ranking

283 / 4723

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

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.

Company 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 22 community banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties PA, and Washington County MD.

Growing

The company is in a growing phase, with the latest annual income totaling USD 64.76M.

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 1.36, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 1.68M shares, increasing 5.01% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 226.03K shares of this stock.

Lower Market Activity

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

Financial Health

Currency: USD Updated：2025-09-17

The company's current financial score is 8.89, which is higher than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 20.39M, representing a year-over-year increase of 19.43%, while its net profit experienced a year-over-year increase of 94.79%.

Score

Industry at a Glance

Previous score

8.89

Change



Financials

5.73

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

9.31

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.39

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-17

The company’s current valuation score is 1.80, which is higher than the Banking Services industry's average of 1.34. Its current P/E ratio is 14.53, which is -0.77% below the recent high of 14.42 and 10.91% above the recent low of 12.95.

Score

Industry at a Glance

Previous score

1.80

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 159/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-17

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

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：2025-09-17

The company’s current price momentum score is 9.55, which is higher than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 49.89 and the support level at 44.06, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.28

Change

0.27

Support & Resistance

No Data

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(1)

Neutral(2)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

-0.273

Neutral

RSI(14)

76.124

Buy

STOCH(KDJ)(9,3,3)

67.419

Neutral

ATR(14)

0.628

Low Volatility

CCI(14)

117.784

Buy

Williams %R

21.531

Buy

TRIX(12,20)

0.557

Sell

StochRSI(14)

61.971

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

47.538

Buy

MA10

47.454

Buy

MA20

46.435

Buy

MA50

42.900

Buy

MA100

40.094

Buy

MA200

37.306

Buy

Institutional Confidence

Currency: USD Updated：2025-09-17

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 37.64%, representing a quarter-over-quarter increase of 4.92%. The largest institutional shareholder is The Vanguard, holding a total of 226.03K shares, representing 5.05% of shares outstanding, with 14.35% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Fourthstone LLC

400.62K

-9.22%

The Vanguard Group, Inc.

Star Investors

195.02K

+0.03%

BlackRock Institutional Trust Company, N.A.

21.89K

-52.16%

Geode Capital Management, L.L.C.

46.82K

+5.60%

Bridgeway Capital Management, LLC

64.17K

+1.91%

Mowery (Donald H)

54.69K

+0.69%

Dimensional Fund Advisors, L.P.

50.26K

+15.87%

Logan Capital Management, Inc.

40.55K

Risk Assessment

Currency: USD Updated：2025-09-17

The company’s current risk assessment score is 6.25, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.14. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.