Franklin Financial Services Corporation
FRAF
NASDAQ·Financial Services·Banks - Regional·Mkt cap $288.7M
$64.26
▲ +1.68%
P/E
11.70
Mkt Cap
$288.7M
52-Wk Range
$43.47–$65.41
52-Week Range
$43.47 - $65.41
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 34.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 118-year heritage and deep community relationships across four Pennsylvania counties
- Integrated trust and wealth management services differentiating from larger regional competitors
- Venture capital investment arm (Franklin Future Fund) providing unique growth and diversification
- Personalized service model targeting underserved small-to-medium business segment
- Multi-county geographic footprint with 22 strategically located community banking offices
Bear Case
1 risk
- Low volatility (beta 0.0).
Growth
Revenue decline expected
Expansion of commercial lending to growing small and medium-sized businesses in Pennsylvania
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+9.0% over 3m
Quality
Excellent
Excellent business quality
Dividend
Solid
2.09% yield
Smart-money signal
Who's buying FRAF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 27, 2026
JUL 24, 2026
Reported EPS of $1.47 vs $1.44 consensus (+2.1% surprise). Revenue of $24.7M vs $24.7M expected (+0.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+2.1%
Revenue trend · last 8Q
—
-15%
+14%
+21%
+18%
+124%
-11%
+2%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$19.2M
$15.1M
$31.3M
$33.4M
$34.1M
$33.7M
$27.8M
$34.1M
Margins · last 8Q
Gross
67.1%
Operating
24.2%
Profit
19.4%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How FRAF stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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