FRANKLIN FINANCIAL SERVICES
FRAFNASDAQTrading Snapshot
- Day Range
- $62.07 β $63.51
- 52-Week Range
- $43.47 β $65.41
- Volume
- $2.12B
- Avg Volume
- $2.70B
- Shares Outstanding
- 4.5M
- Next Earnings
- Nov 8, 2026
Fundamentals Snapshot
- Annual Revenue
- $134M
- Last Q Revenue
- $34M
- P/E Ratio
- 11.4
- P/S Ratio
- 2.1x
- EPS (TTM)
- $5.48
- Dividend Yield
- 2.15%
- Dilution (1yr)
- +1.6%
Why Investors Own FRAF
- βHigh-growth profile β revenue up +13.2% YoY with expanding US Equity exposure.
- βHealthy economics β 28% gross margin and 4% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
FRANKLIN FINANCIAL SERVICES
FRAFAbout FRANKLIN FINANCIAL SERVICES
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.
Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Ratings
βLatest News & Updates

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FRAF posts y/y earnings growth in Q2 as net interest income improves despite increased credit loss provisions and rising non-performing loans.

Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend
Franklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares Dividend PR Newswire CHAMBERSB