Franklin Financial Services Corporation (FRAF) Stock Score, Valuation & Financial Research
Franklin Financial Services Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for FRAF
Franklin Financial Services Corporation currently has a Wall Street Score of 63/100. The stored market price is $63.54. Its financial score is 39/100. Its valuation score is 97/100. The latest WSS change is -0.3 points. These figures are a research snapshot, not a buy or sell recommendation.
What Franklin Financial Services Corporation does
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.
FRAF financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $63.54
- Market capitalization:
- $285.5M
- Revenue:
- $135.1M
- Net income:
- $24.6M
- Free cash flow:
- $24.6M
- Cash:
- $195.0M
- Total debt:
- $215.1M
- EPS:
- 5.50
- P/E ratio:
- 11.6x
- Financial score:
- 39/100
- Valuation score:
- 97/100
- Revenue score:
- 39/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $24.6M, showing positive cash generation.
- The balance sheet shows $195.0M of cash versus $215.1M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.3 points: FRAF decreased 0.3 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 39/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FRAF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.