FRAF logo

FRANKLIN FINANCIAL SERVICES

FRAFNASDAQ
πŸ† #3450 by market capEarnings Oct 27US Equity
$62.47β–Ό $0.28 (βˆ’0.45%)
πŸŒ™ After hours$62.47β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.5%
7dβ–² 1.9%
14dβ–Ό 0.7%
30dβ–² 1.1%
ytdβ–² 24.3%
1yβ–² 27.7%
🏦Market Cap
$281M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+17.3%
Healthy
πŸ“ŠGross Margin
67.4%
High
πŸ’΅FCF Margin
30.4%
Strong
βš–οΈP/S Ratio
2.1x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$62.07 – $63.51
52-Week Range
$43.47 – $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

  • βœ“High-growth profile β€” revenue up +13.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 28% gross margin and 4% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FRAF logo

FRANKLIN FINANCIAL SERVICES

FRAF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$134Mβ–² +17.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
64.3%β–² +7.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$26Mβ–² +97.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$25Mβ–² +28.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.5Mβ–² +1.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$86Mβ–Ό βˆ’$67M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Defense WorldΒ·13d ago

Franklin Financial Services (NASDAQ:FRAF) and JPMorgan Chase & Co. (NYSE:JPM) Head to Head Review

Franklin Financial Services (NASDAQ: FRAF - Get Free Report) and JPMorgan Chase and Co. (NYSE: JPM - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based

Defense WorldΒ·26d ago

292,503 Shares in Franklin Financial Services Corp. $FRAF Bought by BlackRock Inc.

BlackRock Inc. purchased a new stake in shares of Franklin Financial Services Corp. (NASDAQ: FRAF) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Com

Defense WorldΒ·Aug 11

Franklin Financial Services (NASDAQ:FRAF) vs. Cib Marine Bancshares (OTCMKTS:CIBH) Head-To-Head Contrast

Franklin Financial Services (NASDAQ: FRAF - Get Free Report) and Cib Marine Bancshares (OTCMKTS:CIBH - Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two compani

24/7 Wall StreetΒ·Aug 5

7 Dividend Stocks You Must Buy Immediately to Get Paid in August

Here's an alert for income investors with a quick deadline. Seven small-bank dividend stocks all share the same imminent ex-dividend date: Friday, August 7.

Zacks Investment ResearchΒ·Jul 27

Franklin Financial Q2 Earnings Rise Y/Y on Higher Net Interest Income

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

GuruFocusΒ·Jul 24

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