NASDAQ:FRAF Franklin Financial Services (FRAF) Stock Price, News & Analysis $62.60 -0.72 (-1.14%) Closing price 10/9/2026 04:00 PM EasternExtended Trading$63.00 +0.40 (+0.64%) As of 10/9/2026 05:39 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest About Franklin Financial Services Stock (NASDAQ:FRAF) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get FRAF alerts:Sign Up Key Stats Today's Range$62.36▼$63.4250-Day Range$61.22▼$64.2652-Week Range$43.47▼$65.41Volume26,095 shsAverage Volume41,591 shsMarket Capitalization$281.70 millionP/E Ratio11.40Dividend Yield2.17%Price Target$68.00Consensus RatingModerate Buy Company Overview Franklin Financial Services Corporation is the bank holding company for F&M Trust, a community banking institution headquartered in Chambersburg, Pennsylvania. The company serves individuals, families, businesses and nonprofit organizations through a network of banking offices in south-central Pennsylvania and neighboring communities. F&M Trust provides a range of financial products and services, including checking and savings accounts, certificates of deposit, consumer lending, residential mortgages, home equity financing and commercial loans. The bank also offers treasury management and other business banking services designed to support local companies and organizations. In addition to traditional banking, the company provides wealth management, trust and investment services, as well as electronic banking tools such as online and mobile banking. Through its community banking model, Franklin Financial Services focuses on relationship-based service and supporting the economic development of the markets it serves.AI Generated. May Contain Errors. Read More Franklin Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks48th Percentile Overall ScoreFRAF MarketRank™: Franklin Financial Services scored higher than 48% of companies evaluated by MarketBeat, and ranked 640th out of 853 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.3 / 5Analyst RatingModerate Buy Consensus RatingFranklin Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.Upside/DownsideThe consensus price target for Franklin Financial Services is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageFranklin Financial Services has only been the subject of 2 research reports in the past 90 days.Read more about Franklin Financial Services' stock forecast and price target. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Franklin Financial Services is 11.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.79.Price to Earnings Ratio vs. SectorThe P/E ratio of Franklin Financial Services is 11.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.73.Price to Book Value per Share RatioFranklin Financial Services has a P/B Ratio of 1.60. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Franklin Financial Services' valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted5.74% of the float of Franklin Financial Services has been sold short.Short Interest Ratio / Days to CoverFranklin Financial Services has a short interest ratio ("days to cover") of 5.79.Change versus previous monthShort interest in Franklin Financial Services has recently increased by 12.70%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldFranklin Financial Services pays a meaningful dividend of 2.17%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthFranklin Financial Services has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Franklin Financial Services is 24.77%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Franklin Financial Services' dividend. News and Social Media3.6 / 5News Sentiment0.83 News SentimentFranklin Financial Services has a news sentiment score of 0.83. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.62 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Franklin Financial Services this week, compared to 1 article on an average week.Search Interest2 people have searched for FRAF on MarketBeat in the last 30 days. Company Ownership1.9 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Franklin Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $2,019.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders5.93% of the stock of Franklin Financial Services is held by insiders.Percentage Held by Institutions24.80% of the stock of Franklin Financial Services is held by institutions.Read more about Franklin Financial Services' insider trading history. Receive FRAF Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Franklin Financial Services and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. FRAF Stock News HeadlinesFranklin Financial Services (NASDAQ:FRAF) Stock Price Down 0.3% - Here's What HappenedOctober 6, 2026 | americanbankingnews.comFranklin Financial Services Corp FRAFAugust 9, 2026 | morningstar.comMReady to give options a try? 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It's so simple to understand, you could trade it tomorrow.October 11 at 1:00 AM | Base Camp Trading (Ad)7 Dividend Stocks You Must Buy Immediately to Get Paid in AugustAugust 5, 2026 | 247wallst.comFranklin Financial Services Q2 2026 EarningsJuly 24, 2026 | 247wallst.comFranklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares DividendJuly 24, 2026 | prnewswire.comFRAF Share News TodayJune 10, 2026 | uk.investing.comFranklin Financial Services Corp.May 17, 2026 | barrons.comSee More Headlines FRAF Stock Analysis - Frequently Asked Questions How have FRAF shares performed this year? Franklin Financial Services' stock was trading at $50.20 at the beginning of 2026. Since then, FRAF shares have increased by 24.7% and is now trading at $62.60. How were Franklin Financial Services' earnings last quarter? Franklin Financial Services Corp. (NASDAQ:FRAF) released its quarterly earnings results on Friday, July, 24th. The company reported $1.47 earnings per share for the quarter, topping analysts' consensus estimates of $1.44 by $0.03. The firm earned $24.50 million during the quarter, compared to the consensus estimate of $24.70 million. Franklin Financial Services had a trailing twelve-month return on equity of 14.00% and a net margin of 18.20%. How do I buy shares of Franklin Financial Services? Shares of FRAF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Franklin Financial Services own? Based on aggregate information from My MarketBeat watchlists, some other companies that Franklin Financial Services investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), e.l.f. Beauty (ELF), Jabil (JBL), Adobe (ADBE) and Builders FirstSource (BLDR). Company Calendar Last Earnings7/24/2026Record date for 8/26 Dividend8/07/2026Ex-Dividend for 8/26 Dividend8/07/2026Dividend Payable8/26/2026Today10/10/2026Next Earnings (Estimated)10/27/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (6m+) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 FRAF's financial health is in the Green zone, according to TradeSmith. FRAF has been in this zone for over 6 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:FRAF CIK723646 Webwww.franklinfin.com Phone(717) 264-6116Fax717-264-3415Employees306Year FoundedN/APrice Target and Rating Average Price Target for Franklin Financial Services$68.00 High Price Target$68.00 Low Price Target$68.00 Potential Upside/Downside+8.6%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$5.49 Trailing P/E Ratio11.40 Forward P/E RatioN/A P/E GrowthN/ANet Income$21.23 million Net Margins18.20% Pretax Margin22.66% Return on Equity14.00% Return on Assets1.08% Debt Debt-to-Equity Ratio1.09 Current Ratio0.93 Quick Ratio0.93 Sales & Book Value Annual Sales$133.55 million Price / Sales2.11 Cash Flow$5.31 per share Price / Cash Flow11.78 Book Value$39.12 per share Price / Book1.60Miscellaneous Outstanding Shares4,500,000Free Float4,233,000Market Cap$281.70 million OptionableNot Optionable Beta-0.02 The 7 Hottest IPO Stories of 2026MarketBeat just released its list of the 7 hottest IPOs expected to hit Wall Street in 2026. See which companies are preparing to go public and why investors are watching closely.Get This Free Report This page (NASDAQ:FRAF) was last updated on 10/11/2026 by MarketBeat.com Staff. From Our PartnersALERT: Drop these 5 stocks before the market opens tomorrow!The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings researc...Weiss Ratings | SponsoredTrump's New DollarPorter Stansberry says President Trump has signed an executive order initiating what he calls a full U.S. doll...Porter & Company | SponsoredSmall Colorado Company (Backed by Sam Altman) Could Save U.S. Power GridA small Colorado company has secured rights to technology that could prevent the U.S. public power grid from c...Altimetry | SponsoredReady to give options a try? 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