Franklin Financial Services Corp. FRAF
- Market cap
- $280.1M
- P/E
- 11.4×
Follow FRAF
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 20.11 | 28.60 | 29.26 | 26.83 | 19.60 | 25.93 | 28.05 | 23.96 | 25.11 | 28.01 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 29.00 | 38.50 | 37.98 | 39.56 | 38.99 | 34.90 | 36.55 | 36.50 | 34.15 | 59.95 |
High Price
|
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| 247 | 255 | 255 | 283 | 282 | 280 | 298 | 306 | — | — |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 49 | 52 | 57 | 65 | 61 | 67 | 72 | 92 | 115 | 134 |
Revenue
|
|||
| 95.38% | 95.22% | 92.67% | 89.00% | 93.48% | 95.67% | 93.22% | 74.76% | 61.84% | 66.51% |
Gross Margin
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| 9 | 6 | 6 | 19 | 13 | 23 | 17 | 16 | 13 | 26 |
EBT
|
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| 19.33% | 11.02% | 10.37% | 29.38% | 21.40% | 34.32% | 24.40% | 17.20% | 11.57% | 19.67% |
EBT Margin
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| 8 | 2 | 6 | 16 | 13 | 20 | 15 | 14 | 11 | 21 |
Net Income
|
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| 3 | 3 | 3 | 3 | 5 | 2 | 6 | 5 | 5 | 3 |
Depreciation
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| 11.31 | 12.01 | 13.12 | 14.78 | 14.01 | 15.17 | 16.22 | 20.94 | 26.15 | 29.92 |
Revenue/Sh
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| 1.88 | 0.50 | 1.39 | 3.67 | 2.93 | 4.42 | 3.36 | 3.10 | 2.51 | 4.74 |
Earnings/Sh
|
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| 3.46 | 3.75 | 2.12 | 4.34 | 1.48 | 5.96 | 5.71 | 6.07 | 4.94 | 5.70 |
Cash Flow/Sh
|
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| (0.13) | (0.26) | (0.24) | (0.38) | (0.11) | (1.25) | (2.76) | (0.11) | (0.58) | (0.19) |
Capex/Sh
|
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| 3.32 | 3.49 | 1.88 | 3.96 | 1.37 | 4.72 | 2.95 | 5.96 | 4.36 | 5.51 |
Free CF/Sh
|
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| 27.11 | 26.55 | 27.02 | 29.15 | 33.32 | 35.54 | 25.83 | 30.21 | 32.87 | 39.27 |
Book Value/Sh
|
|||
| 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
Shares
|
|||
| 15.32 | 75.96 | 22.66 | 10.54 | 9.23 | 7.51 | 10.62 | 10.04 | 12.01 | 10.59 |
PE Ratio
|
|||
| 2.55 | 3.16 | 2.40 | 2.62 | 1.93 | 2.18 | 2.20 | 1.49 | 1.14 | 1.68 |
PS Ratio
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| 1.06 | 1.43 | 1.17 | 1.33 | 0.81 | 0.93 | 1.38 | 1.03 | 0.91 | 1.28 |
PB Ratio
|
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| 2.00 | 2.26 | 1.68 | 1.26 | 1.17 | (0.24) | 1.44 | 2.56 | 1.02 | 2.14 |
EV/Sales
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| 6.82 | 7.78 | 11.70 | 4.69 | 12.00 | (0.76) | 7.93 | 8.99 | 6.14 | 11.65 |
EV/FCF
|
|||
| 15 | 16 | 9 | 19 | 6 | 26 | 25 | 27 | 22 | 25 |
Op' Cash Flow
|
|||
| (1) | (1) | (1) | (2) | 0 | (6) | (12) | 0 | (3) | (1) |
Capex
|
|||
| 14 | 15 | 8 | 17 | 6 | 21 | 13 | 26 | 19 | 25 |
FCF
|
|||
| (85) | (56) | (68) | (108) | (301) | (431) | (454) | (285) | (239) | (149) |
Working Cap'
|
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| 24 | — | — | 5 | 24 | 24 | 25 | 130 | 200 | 200 |
Total Debt
|
|||
| (38) | (59) | (53) | (88) | (46) | (162) | (55) | 98 | (14) | 62 |
Net Debt
|
|||
| 116 | 115 | 118 | 128 | 145 | 157 | 114 | 132 | 145 | 175 |
Sh' Equity
|
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| 0.75% | 0.19% | 0.51% | 1.30% | 0.91% | 1.19% | 0.86% | 0.77% | 0.55% | 0.96% |
ROA
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| 7.52% | 6.40% | 5.73% | 30.06% | 8.26% | 0.00% | 18.32% | 4.27% | 6.36% | 6.91% |
ROIC
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| 7.10% | 1.88% | 5.25% | 13.11% | 9.39% | 12.98% | 11.01% | 11.04% | 8.02% | 13.27% |
ROE
|
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Franklin Financial Services Corp. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FNRN First Northern Community Bancorp | $280.0M | 12.5× | Compare |
| FUNC First United Corporation | $279.5M | 11.2× | Compare |
| ATLO Ames National Corporation | $281.8M | 12.3× | Compare |
| WNEB Western New England Bancorp | $278.0M | 16.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ISBA Isabella Bank Corporation | $285.3M | 14.1× | Compare |
| OVLY Oak Valley Bancorp (CA) | $285.8M | 12.0× | Compare |
| GBFH GBank Financial Holdings Inc. | $274.2M | 14.8× | Compare |
| NKSH National Bankshares, Inc. | $269.0M | 13.3× | Compare |
Franklin Financial Services Corp. (FRAF) key facts
- Franklin Financial Services Corp. (FRAF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Franklin Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $133.5 million, up 16.0% from fiscal 2024.
- Net income was $21.2 million, or $4.74 per share (basic), a net margin of 15.9%.
- As of September 25, 2026, FRAF traded at $62.65, a market capitalization of $280.1 million.
- At that price the stock trades at 11.4× trailing-twelve-month earnings and 2.1× sales.
- Franklin Financial Services Corp. pays an annual dividend of $1.28 per share, a yield of 4.49%, with a payout ratio of 38.7%.
- Return on equity was 13.3% and debt-to-equity 1.09.
Franklin Financial Services Corp. (FRAF) Latest News
29 Apr
Franklin Financial Services Corp. (FRAF) Q1 earnings surged 69% year-over-year, driven by margin expansion. 69% Y/Y earnings growth from margin expansion signals strong financial performance and positive investor sentiment.
23 Apr
Franklin Financial Services Corp. (FRAF) reported first quarter 2026 results and declared a dividend. Quarterly earnings and dividend declaration moderately affect financial performance and investor sentiment.
12 Feb
Franklin Financial Services Corp. (FRAF) is highlighted as a hidden gem in the U.S. market, showcasing strong fundamentals that position it favorably for future growth. The company has demonstrated solid financial performance, with a focus on community banking and a commitment to serving local markets. Its strategic initiatives and robust balance sheet contribute to its potential for long-term success, making it an attractive option for investors seeking undervalued stocks with growth potential. Strong fundamentals and strategic initiatives indicate significant potential for future growth and market performance.
11 Feb
Franklin Financial Services Corp. (FRAF) is highlighted as an undervalued investment opportunity in the U.S. market for February 2026. Analysts point to its strong fundamentals, including solid earnings growth and a robust balance sheet, suggesting that the company is poised for significant appreciation. The article emphasizes the potential for FRAF to outperform its peers due to its strategic initiatives and favorable market conditions, making it a compelling choice for investors seeking hidden gems in the current economic landscape. FRAF's strong fundamentals and strategic initiatives indicate a significant potential for future growth and market performance.
Franklin Financial Services Corp. (FRAF) is highlighted as one of three undervalued investment opportunities in the U.S. market. The article emphasizes FRAF's strong fundamentals, including solid financial performance and growth potential, making it an attractive option for investors seeking hidden gems. The company is noted for its strategic positioning and ability to capitalize on market trends, suggesting a promising outlook for future performance. FRAF's strong fundamentals and growth potential indicate significant impact on its future performance and market positioning.
9 Feb
Franklin Financial Services Corp. (FRAF) is highlighted as a promising investment opportunity in February 2026, showcasing its strong fundamentals and growth potential amidst a competitive market. Analysts emphasize the company's strategic initiatives and robust financial performance, positioning it as an undiscovered gem in the U.S. market. The article suggests that FRAF's innovative approaches and market adaptability could lead to significant returns for investors looking for undervalued stocks. FRAF's strategic initiatives and strong financial performance are expected to significantly influence its future market position and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as a promising investment opportunity in the U.S. market for February 2026, showcasing its potential for growth amidst a landscape of undiscovered financial gems. The article emphasizes FRAF's strategic positioning and financial health, suggesting that it could outperform competitors in the coming months. FRAF's strategic positioning and potential for growth could significantly alter its market trajectory.
6 Feb
Franklin Financial Services Corp. (FRAF) is highlighted as a potential investment opportunity due to its strong fundamentals and growth prospects. The company has shown resilience in a challenging market, with a solid balance sheet and a commitment to shareholder value. Analysts suggest that FRAF's strategic initiatives and focus on community banking could position it favorably for future growth. Investors are encouraged to consider FRAF as a hidden gem in the financial sector, with potential for significant returns as market conditions improve. FRAF's strategic initiatives and strong fundamentals indicate a significant potential for future growth and market performance.
Franklin Financial Services Corp. (FRAF) is highlighted as a promising stock in the US market, showcasing its potential for growth and investment opportunities. The article emphasizes the company's strong fundamentals, strategic positioning, and favorable market conditions that could lead to significant returns for investors. FRAF's performance metrics and market strategies are discussed, suggesting that it may be undervalued compared to its peers, making it an attractive option for investors seeking undiscovered gems in the stock market. FRAF's strong fundamentals and strategic positioning indicate a significant potential for future growth and market performance.
5 Feb
Franklin Financial Services Corp. (FRAF) is highlighted as one of three undervalued companies in the U.S. market with strong growth potential. The article emphasizes FRAF's solid financial performance, strategic initiatives, and favorable market conditions that position it for future success. Investors are encouraged to consider FRAF as a promising opportunity amidst a landscape of overlooked stocks. FRAF's strong financial performance and strategic initiatives are likely to significantly impact its future trajectory and investor sentiment.
1 Feb
Franklin Financial Services Corp. (FRAF) is set to announce its upcoming dividend, which has garnered positive attention from investors. The company has a history of consistent dividend payments, reflecting its strong financial health and commitment to returning value to shareholders. Analysts highlight the importance of this dividend as a signal of the company's stability and growth potential in the financial sector. The upcoming dividend announcement is expected to positively influence investor sentiment and financial performance, but its overall impact may be limited.
30 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a promising small-cap investment in the U.S. market, showcasing its potential for growth and value. The article emphasizes the company's strong fundamentals, strategic positioning, and opportunities for expansion, making it an attractive option for investors seeking undiscovered gems in the market. FRAF's strong fundamentals and strategic positioning may moderately influence its financial performance and market sentiment.
29 Jan
Franklin Financial Services Corp. (FRAF) reported a year-over-year increase in Q4 earnings, driven by loan growth and improved margins. The company's performance reflects a positive trend in its financial operations, indicating effective management and strategic positioning in the market. Loan growth and higher margins are likely to significantly enhance future financial performance and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as one of three undervalued stocks in the U.S. market, showcasing its potential for growth. The article emphasizes FRAF's strong fundamentals, including solid earnings and a robust balance sheet, which position it favorably against competitors. Analysts suggest that the company's strategic initiatives and market positioning could lead to significant appreciation in stock value, making it an attractive investment opportunity for discerning investors. FRAF's strong fundamentals and strategic initiatives are likely to significantly impact its future performance and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as a promising small-cap investment in the U.S. market, showcasing its potential for growth and value. The article emphasizes the company's strong fundamentals, strategic positioning, and favorable market conditions that could lead to significant returns for investors. FRAF's financial health and operational strategies are discussed, indicating a positive outlook amidst broader market trends. FRAF's strong fundamentals and strategic positioning suggest a significant impact on its future performance and investor sentiment.
28 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a promising small-cap investment opportunity in the U.S. market. The article emphasizes the company's strong fundamentals, including solid financial performance and growth potential. Analysts suggest that FRAF's strategic initiatives and market positioning could lead to significant upside for investors. The focus on small-cap stocks like FRAF is part of a broader trend of seeking undervalued companies with growth potential in a fluctuating market environment. FRAF's strategic initiatives and strong fundamentals are likely to significantly impact its future performance and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as a potential investment opportunity in the U.S. market for January 2026, suggesting that it may be undervalued compared to its peers. The article emphasizes the company's strong fundamentals and growth prospects, positioning it as an attractive option for investors seeking undiscovered gems in the financial sector. FRAF's strong fundamentals and growth prospects may moderately influence its market performance.
27 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as an undervalued investment opportunity in the U.S. market, showcasing strong fundamentals and growth potential. The company has demonstrated resilience and adaptability in a competitive landscape, making it a promising candidate for investors seeking hidden gems. Analysts suggest that FRAF's strategic initiatives and financial health position it well for future growth, despite broader market uncertainties. FRAF's strong fundamentals and strategic initiatives are likely to significantly impact its future performance and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as a potential investment opportunity within the U.S. market, showcasing its strong fundamentals and growth potential. The article emphasizes the company's solid financial performance, strategic initiatives, and favorable market conditions that could enhance its portfolio appeal. Investors are encouraged to consider FRAF as a promising addition to diversify their holdings and capitalize on its undervalued status. FRAF's strong fundamentals and growth potential indicate significant impact on future performance and investor sentiment.
Franklin Financial Services Corp. (FRAF) reported its Q4 and year-to-date financial results for 2025, highlighting key performance metrics and financial health. The company also declared a dividend, signaling confidence in its ongoing operations and profitability. The financial results and dividend declaration may moderately influence investor sentiment and financial performance.
26 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a potential investment opportunity in the U.S. market, showcasing its strong fundamentals and growth potential. The company has demonstrated resilience and adaptability in a competitive landscape, making it an attractive option for investors seeking undervalued assets. Analysts emphasize the importance of thorough research and due diligence when considering investments in lesser-known firms like FRAF, which may offer significant upside potential despite being overlooked by mainstream investors. FRAF's strong fundamentals and growth potential could significantly alter its trajectory and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as an undervalued stock in the U.S. market for January 2026, with analysts noting its strong fundamentals and growth potential. The company has shown resilience in a challenging economic environment, making it an attractive option for investors seeking hidden opportunities. Key financial metrics indicate a solid performance, and the stock is positioned for potential appreciation as market conditions improve. Investors are encouraged to consider FRAF as part of a diversified portfolio. FRAF's strong fundamentals and growth potential suggest significant impact on its future performance and market positioning.
22 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as an undervalued investment opportunity in the U.S. market for January 2026. The article emphasizes the company's strong fundamentals, including solid financial performance and growth potential, positioning it as a promising choice for investors seeking hidden gems. Analysts suggest that FRAF's strategic initiatives and market positioning could lead to significant appreciation in its stock value, making it a noteworthy consideration for investment portfolios. FRAF's strong fundamentals and growth potential indicate a significant impact on its future performance and market positioning.
Franklin Financial Services Corp. (FRAF) is highlighted as a promising stock in the U.S. market, showcasing its potential for growth and investment opportunities. The article emphasizes the company's strong fundamentals, strategic positioning, and favorable market conditions that could lead to significant returns for investors. FRAF's performance metrics and market strategies are discussed, indicating its resilience and capacity to capitalize on emerging trends in the financial sector. FRAF's strong fundamentals and strategic positioning may moderately influence its financial performance and market sentiment.
20 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as an undervalued investment opportunity in the U.S. market for January 2026, with analysts noting its strong fundamentals and growth potential. The company is positioned well within its sector, showing resilience and adaptability in a fluctuating economic landscape. Investors are encouraged to consider FRAF for its promising outlook and potential for significant returns as market conditions evolve. FRAF's strong fundamentals and growth potential indicate a significant impact on its future performance and market positioning.
Franklin Financial Services Corp. (FRAF) is highlighted as a potential investment opportunity in January 2026, identified as an undiscovered gem in the U.S. market. The article emphasizes the company's strong fundamentals, growth potential, and favorable market conditions that could enhance its performance. Investors are encouraged to consider FRAF for its promising outlook amid a competitive financial landscape. FRAF's growth potential and strong fundamentals may moderately influence its financial performance and market positioning.
19 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a promising investment opportunity in the U.S. market for January 2026, showcasing its potential for growth amidst a landscape of undiscovered financial gems. The article emphasizes FRAF's strategic positioning and financial health, suggesting that it may outperform competitors in the coming months. FRAF's strategic positioning and potential for growth could significantly alter its market trajectory and investor sentiment.
Franklin Financial Services Corp. (FRAF) is highlighted as a promising small-cap investment in the U.S. market, showcasing its potential for growth and value. The article emphasizes the company's strong fundamentals, strategic positioning, and opportunities for expansion, making it an attractive option for investors seeking undiscovered gems in the market. FRAF's strong fundamentals and strategic positioning indicate significant potential for future growth and market performance.
15 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a promising small-cap stock with strong growth potential. The article emphasizes the company's solid financial performance, strategic initiatives, and favorable market conditions that position it well for future success. Investors are encouraged to consider FRAF as a viable option in the current market landscape, where small-cap stocks are gaining attention for their growth opportunities. FRAF's strategic initiatives and favorable market conditions are likely to significantly impact its future performance.
14 Jan
Franklin Financial Services Corp. (FRAF) is highlighted as a promising investment opportunity in January 2026, showcasing its potential for growth amidst a landscape of undervalued U.S. companies. The article emphasizes FRAF's strategic initiatives and financial health, positioning it as a strong contender in the market. Analysts predict that FRAF's focus on innovation and customer service will enhance its competitive edge, attracting investor interest and driving future performance. FRAF's strategic initiatives and financial health are expected to significantly influence its market position and investor sentiment.