NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
StockVS

NASDAQ · Banks - Regional · USD

Franklin Financial Services Corporation (FRAF) Stock Analysis

Franklin Financial Services Corporation (FRAF) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

FRAF

$64.26

+$1.06 (+1.68%)

Sep 4, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare FRAF with… →

FRAF Key Statistics

As of Sep 4, 2026
Trading
Open
$62.67
Previous Close
$63.20
Day's Range
62.64–64.45
52-Week Range
43.47–65.41
Volume
33.80K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
−0.01
Valuation
Market Cap
$289.14M
P/E Ratio
11.73
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
9.75
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.03
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.17
EPS (ttm)Profit attributable to each share over the last twelve months.
5.48
Financials (FY)
Revenue (FY)
$87.44M+25.10%
Net Income (FY)
$21.23M+91.24%
Profit marginThe share of revenue left as profit after all costs and taxes.
26.98%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
4.50M
1-Year Return
+40.21%
Dividend and dates
Dividend
$1.36+2.16%
Ex-Dividend Date
August 7, 2026
Earnings Date
October 27, 2026estimated
Avg Volume
36.43K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

FRAF Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+30.39%
2025+73.48%
2024−1.39%
2023−8.79%
2022+13.47%
2021+27.54%
2020−27.09%
2019+26.80%
2018−13.12%
2017+34.28%
2016 (partial year)+21.15%

As of September 4, 2026.

FRAF Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$87.44M$21.23M24.3%
2024$69.89M$11.10M15.9%
2023$67.25M$13.60M20.2%
2022$65.41M$14.94M22.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$87.44M——$21.23M24.3%
2024$69.89M——$11.10M15.9%
2023$67.25M——$13.60M20.2%
2022$65.41M——$14.94M22.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

FRAF Dividend History

$1.31+2.3% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.013—
2025$1.314+2.3%
2024$1.284+0.0%
2023$1.284+0.0%
YearDividends per sharePaymentsChange
2026 (partial year)$1.013—
2025$1.314+2.3%
2024$1.284+0.0%
2023$1.284+0.0%
2022$1.284+2.4%
2021$1.254+4.2%
2020$1.204+2.6%
2019$1.174+11.4%
2018$1.054+16.7%
2017$0.904+328.6%
2016$0.211—

Most recent payment: $0.34 per share, ex-dividend August 7, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

FRAF Valuation vs Banks - Regional Median

Median of 380 stocks
MetricFRAFBanks - Regional medianvs median
P/E11.7312.627% below
P/S ratio3.173.7716% below
Profit margin26.98%29.15%2.2 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Franklin Financial Services Corporation (FRAF) carries a market capitalisation of $289.14M. It is classified in the Banks - Regional industry, within the Financial Services sector.

The most recent close on file for FRAF is $64.26, dated September 4, 2026. That is +$1.06 (+1.68%) against the previous close. Over the past 52 weeks the price has ranged from $43.47 to $65.41. The latest close sits 47.83% above that 52-week low.

Financial Health

In fiscal 2025, Franklin Financial Services Corporation reported revenue of $87.44M. That is +25.10% against the prior fiscal year, when revenue was $69.89M. The same year closed with net income of $21.23M. That is +91.24% against the prior fiscal year. The reported profit margin is 26.98%. That is 2.2 percentage points below the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 5.48.

Across the 4 fiscal years on file, revenue moves from $65.41M in 2022 to $87.44M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 11.73. That is 7.05% below the Banks - Regional median of 12.62. The forward P/E on file is 9.75. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.03. Measured against sales, the shares trade at 3.17 times revenue. On price-to-sales that is 16.06% below the Banks - Regional median of 3.77. The medians here are taken across 380 Banks - Regional companies that report the metric.

Beta against the wider market is reported at −0.02. Daily returns over the trailing 10 years annualize to a volatility of 29.57%. The trailing one-year price return is +40.21%. Measured over 10 years, that is +14.07% a year compounded.

Growth & Income

FRAF pays a dividend yielding 2.16%. That is 0.5 percentage points below the Banks - Regional median yield of 2.7%. At the indicated rate that is $1.36 a share a year. The ex-dividend date on file is August 7, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $1.01 a share. The year before, 2025, totalled $1.31 a share.

So far in 2026 the price is +30.39%. Across the complete calendar years on file, 2025 returned +73.48% and 2020 returned −27.09%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

Franklin Financial Services Corporation (FRAF) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Franklin Financial Services Corporation FRAF $289.14M 11.7
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Franklin Financial Services Corporation trades at a P/E of 11.7.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

 HDB

HDFC Bank Limited

$119.10B

 IBN

ICICI Bank Limited

$108.74B

 USB

U.S. Bancorp

$98.73B

 PNC

The PNC Financial Services Group, Inc.

$97.98B

 ITUB

Itaú Unibanco Holding S.A.

$89.83B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 BAC

Bank of America Corporation

$438.31B
View all Financial Services stocks →

About Franklin Financial Services Corporation

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Visit website →