Franklin Financial Services Corporation
FRAF · Price history
Price at last available close
$69.87
+$7.12 (+11.35%) 1M
2026-10-28
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Company & revenue
About Franklin Financial Services Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Franklin Financial Services Corporation operates as a bank holding company that generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on deposits and other borrowings. Additionally, the company earns non-interest income through trust and wealth management services, service charges on deposit accounts, and other financial service fees.
Products & services
The company provides commercial and retail banking services, including various deposit products, commercial and consumer lending, trust and wealth management services, and fiduciary services.
Brands & revenue mix
The primary banking subsidiary through which the corporation conducts substantially all of its business.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not have a concentration of customers that individually account for a significant portion of total revenue, as its business is diversified across a broad base of retail and commercial clients.
Suppliers, materials & equipment
- Technology and core banking service providers — The company relies on third-party vendors for core banking software, data processing, and information technology infrastructure services.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
63
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
62
Fair
Financial Strength
45
Business Quality / Moat
85
Management
84
Growth Quality
29
Risk / Durability
61
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
83
Attractive
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
78/100
Building Historical Record
Model Score 78/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for FRAF
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can FRAF maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is FRAF's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does FRAF's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is FRAF's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
63
Opportunity Score
83
Market Cap
$314.4M
P/E Ratio
11.2
EPS
$5.50
52-Week High
$65.41
52-Week Low
$43.47
Beta
-0.02
Intrinsic Value
$211.75
Shares Outstanding
4.5M
Total Revenue
$135.1M
Total Debt
$215.1M
Dividend Yield (TTM)
1.92%
Liquidation Value / Share
$40.87
Dividend / Share (TTM)
$1.34
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FRAF
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.6x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on FRAF.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-standing community presence since 1906.
- +Established trust and wealth management division.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolio quality.
- −Regulatory and compliance requirements.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
7 historical score records availablePrevious Score
63
Sep 24, 2026
Change
-0.2
points
Current Score
63
Oct 1, 2026
Category Changes
FRAF decreased 0.2 points because some fundamentals weakened.
Projected Score
Projected Score
67
Projected Change
+3.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $5.50 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$69.87
Model Intrinsic Value
$211.75
Difference
−$141.88
-67.0% vs IV
Margin of Safety
67.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $135.1M | $133.5M | $113.8M | $90.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $44.1M | $47.6M | $45.9M | $25.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $91.0M | $85.9M | $67.9M | $64.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $41.3M | $1.7M | $36.4M | $31.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $60.3M | $59.7M | $54.6M | $48.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $32.8M | $28.4M | $15.4M | $17.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $30.7M | $26.3M | $13.3M | $15.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $40.7M | $44.7M | $43.9M | $23.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $30.7M | $26.3M | $13.3M | $15.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $6.0M | $5.0M | $2.2M | $2.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $24.6M | $21.2M | $11.1M | $13.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $5.50 | $4.74 | $2.51 | $3.11 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 4.50M | 4.50M | 4.41M | 4.37M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 4.50M | 4.50M | 4.41M | 4.38M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$34.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.47
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-3.9%
Cash Change
-6.6%
Margin Change
+1.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 2.2%. EPS increased 11.4%. Cash declined 6.6%. Total debt declined 3.9%. Net income margin improved by 1.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
7 historical recordsHistorical Score Chart
3 of 7 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · FRAF
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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