NASDAQ:FRAF Franklin Financial Services (FRAF) Stock Price, News & Analysis $63.10 +0.82 (+1.32%) Closing price 07/27/2026 04:00 PM EasternExtended Trading$63.04 -0.05 (-0.09%) As of 07/27/2026 07:34 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 ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$61.28▼$63.4750-Day Range$55.98▼$64.0052-Week Range$38.52▼$64.88Volume42,557 shsAverage Volume42,813 shsMarket Capitalization$283.32 millionP/E Ratio11.49Dividend Yield2.16%Price Target$64.00Consensus RatingModerate Buy Company Overview Franklin Financial Services, Inc. (NASDAQ: FRAF) is a U.S.‐listed specialty finance company that makes and acquires secured loans, with a focus on asset-based lending and mortgage warehouse financing. Through its wholly owned subsidiary, FFS Investment Company, a Maryland corporation regulated as a business development company under the Investment Company Act of 1940, Franklin Financial provides revolving lines of credit, term loans and other credit facilities secured primarily by residential and commercial mortgage loans, receivables and inventory. The company’s lending platform is designed to offer short-term working capital solutions to mortgage originators, community banks and other financial institutions that require flexible, collateralized financing. Franklin Financial’s business model generates income through interest earned on its diversified loan portfolio and various fee structures related to loan origination and servicing. The company emphasizes rigorous credit underwriting, active collateral monitoring and portfolio diversification to manage risk and optimize risk-adjusted returns. Franklin’s asset-based lending approach supports liquidity in the mortgage market while providing middle-market enterprises with tailored financing for growth initiatives, acquisitions or balance sheet management. Headquartered in Vancouver, British Columbia, Franklin Financial Services serves clients across North America from a centralized lending platform. Its leadership team brings together expertise in banking, capital markets and operations to guide strategic capital deployment, ensure compliance with regulatory requirements and maintain disciplined risk management practices. By leveraging its BDC structure, Franklin Financial offers investors access to a portfolio of short-duration assets with the potential for attractive yields and income generation over market cycles.AI Generated. May Contain Errors. Read More Franklin Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks43rd Percentile Overall ScoreFRAF MarketRank™: Franklin Financial Services scored higher than 43% of companies evaluated by MarketBeat, and ranked 667th out of 875 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.8 / 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 11.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.78.Price to Earnings Ratio vs. SectorThe P/E ratio of Franklin Financial Services is 11.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.75.Price to Book Value per Share RatioFranklin Financial Services has a P/B Ratio of 1.61. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted2.75% 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 2.61, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Franklin Financial Services has recently increased by 13.81%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldFranklin Financial Services pays a meaningful dividend of 2.18%, 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 25.47%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Franklin Financial Services' dividend. News and Social Media2.2 / 5News Sentiment0.59 News SentimentFranklin Financial Services has a news sentiment score of 0.59. 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 lower news sentiment than the 0.82 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Franklin Financial Services this week, compared to 1 article on an average week. Company Ownership1.9 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Franklin Financial Services insiders have sold 3,947.17% more of their company's stock than they have bought. Specifically, they have bought $1,997.00 in company stock and sold $80,822.00 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. 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FRAF Stock News HeadlinesFranklin Financial Services Q2 2026 EarningsJuly 24, 2026 | 247wallst.comFranklin Financial Reports Second Quarter and Year-to-Date 2026 Results; Declares DividendJuly 24, 2026 | prnewswire.comMy top 3 AI picks for the next decadeAlexander Green bought Apple in 1996, recommended Nvidia at a split-adjusted 66 cents in 2004, and picked up Amazon and Netflix under $3 per share in 2005. Now the chief investment strategist at The Oxford Club has identified three AI stocks he believes could be the most profitable investments of the next decade. | The Oxford Club (Ad)Orrstown Financial Services (NASDAQ:ORRF) & Franklin Financial Services (NASDAQ:FRAF) Critical AnalysisJuly 21, 2026 | americanbankingnews.comWinchester Bancorp (NASDAQ:WSBK) & Franklin Financial Services (NASDAQ:FRAF) Head-To-Head ContrastJuly 21, 2026 | americanbankingnews.comShort Interest in Franklin Financial Services Corp. (NASDAQ:FRAF) Increases By 76.3%July 19, 2026 | americanbankingnews.comFranklin Financial Services (NASDAQ:FRAF) Raised to "Buy" at Wall Street ZenJuly 18, 2026 | americanbankingnews.comFranklin Financial Services (FRAF) Expected to Announce Earnings on FridayJuly 17, 2026 | americanbankingnews.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 start of the year. Since then, FRAF stock has increased by 25.7% and is now trading at $63.10. How were Franklin Financial Services' earnings last quarter? Franklin Financial Services Corp. (NASDAQ:FRAF) issued its quarterly earnings data on Friday, July, 24th. The company reported $1.47 EPS for the quarter, topping the consensus estimate of $1.44 by $0.03. The firm had revenue of $24.50 million for the quarter, compared to the consensus estimate of $24.70 million. Franklin Financial Services had a net margin of 18.20% and a trailing twelve-month return on equity of 14.21%. Who are Franklin Financial Services' major shareholders? Franklin Financial Services' top institutional shareholders include Stonebridge Financial Group LLC (0.13%). Insiders that own company stock include Allan E Jennings Jr, Gregory A Duffey, Craig W Best, Mark R Hollar, Kimberly Rzomp, Steven D Butz, Karen K Carmack, Charles Benner Carroll Jr and Scott D Ehrig. View institutional ownership trends. 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 Record date for 5/27 Dividend5/01/2026Ex-Dividend for 5/27 Dividend5/01/2026Dividend Payable5/27/2026Last Earnings7/24/2026Today7/27/2026Record date for 8/26 Dividend8/07/2026Ex-Dividend for 8/26 Dividend8/07/2026Dividend Payable8/26/2026Fiscal 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 (4m+) 1-Year History Jul 25 Oct 25 Jan 26 Apr 26 Jul 26 FRAF's financial health is in the Green zone, according to TradeSmith. FRAF has been in this zone for over 4 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryBanking Current SymbolNASDAQ:FRAF CIK723646 Webwww.franklinfin.com Phone(717) 264-6116Fax717-264-3415Employees280Year FoundedN/APrice Target and Rating Average Price Target for Franklin Financial Services$64.00 High Price Target$64.00 Low Price Target$64.00 Potential Upside/Downside+1.4%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$5.34 Trailing P/E Ratio11.49 Forward P/E RatioN/A P/E GrowthN/ANet Income$21.23 million Net Margins18.20% Pretax Margin22.04% Return on Equity14.21% Return on Assets1.08% Debt Debt-to-Equity Ratio1.12 Current Ratio0.93 Quick Ratio0.93 Sales & Book Value Annual Sales$133.55 million Price / Sales2.12 Cash Flow$5.38 per share Price / Cash Flow11.72 Book Value$39.12 per share Price / Book1.61Miscellaneous Outstanding Shares4,490,000Free Float4,227,000Market Cap$283.32 million OptionableNot Optionable Beta-0.02 7 Best Space Stocks to Own in 2026The space race is growing fast, and you don’t have to have gotten in early on SpaceX to profit. 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