Financial Services
Franklin Financial Services Corporation(FRAF)
Live Price
Offline$62.04
+0.96% today
1Y Change
+83.83%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $260.00M
- Revenue Growth
- +17.3%
- EPS Growth
- +88.8%
- Dividend Yield
- 2.3%
Coverage: 244 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Franklin Financial Services Corporation (FRAF) is a Financial Services stock with a market cap of $260.00M and listed on NASDAQ. The stock last traded around $62.04 and up 83.8% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +17.3%, EPS growth of +88.8%, a dividend yield of 2.3%. What stands out right now is revenue +17.3%, EPS +88.8%, free cash flow +28.1% with operating margin 22.1% and ROIC 1.0%. The dividend is present but secondary, with a yield around 2.3%. Valuation is more restrained than many high-expectation growth names at P/E 10.7 and price/sales 1.9. Stock Foundry combines FRAF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+17.3% vs +3.4% peer median
Operating Margin
Above sector median
+22.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +17.3% and EPS at +88.8%, with operating margin around 22.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.1% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | -5.9% | -2.2% | +0.1% |
2026 Jan 27, 2026 | โ | +2.1% | +3.8% | +8.2% |
2025 Oct 28, 2025 | โ | -1.8% | -2.0% | +14.0% |
Benchmark Edge
FRAF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FRAF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FRAF Max Drawdown
-16.28%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FRAF and SPY.
Company Overview
Franklin Financial Services Corporation
NASDAQ Capital Market
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
- Leadership
- Craig W. Best
- IPO Date
- Apr 6, 1994
- Employees
- 306
- Street Address
- 20 South Main Street
- Mailing
- Chambersburg, PA, 17201-0819
- Region
- Chambersburg, PA, US
- Reporting Currency
- USD
- Investor Line
- 717 264 6116
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.7
- EV/EBITDA
- 14.1
- Price/Sales
- 1.9
- Price/Book
- 1.4
Growth
- Revenue
- +17.3%
- EPS
- +88.8%
- Free Cash Flow
- +28.1%
Profitability
- Gross Margin
- 66.6%
- Operating Margin
- 22.1%
- Net Margin
- 17.8%
- ROE
- 14.1%
- ROIC
- 1.0%
Balance Sheet
- Debt/Equity
- 1.18
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.