Franklin Financial Services (FRAF) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $47.70 to $48.25
• 50-Day Range: $37.88 to $47.65
• 52-Week Range: $28.01 to $48.25
• Volume: 16,961 shs
• Average Volume: 21,949 shs
• Market Capitalization: $215.18 million
• P/E Ratio: 14.75
• Dividend Yield: 2.75%
• Price Target: N/A
• Consensus Rating: N/A

Franklin Financial Services Stock Analysis - MarketRank™

Franklin Financial Services scored higher than 48% of companies evaluated by MarketBeat, and ranked 640th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Franklin Financial Services.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Franklin Financial Services is 14.62, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.30.

Price to Earnings Ratio vs. Sector

The P/E ratio of Franklin Financial Services is 14.62, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.55.

Price to Book Value per Share Ratio

Franklin Financial Services has a P/B Ratio of 1.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.04% of the float of Franklin Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Franklin Financial Services has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Franklin Financial Services has recently decreased by 10.00%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Franklin Financial Services pays a meaningful dividend of 2.78%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Franklin Financial Services has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Franklin Financial Services is 40.49%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.04% of the float of Franklin Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Franklin Financial Services has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Franklin Financial Services has recently decreased by 10.00%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.95

News Sentiment

Franklin Financial Services has a news sentiment score of 0.95. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Franklin Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Franklin Financial Services insiders have sold 2,394.47% more of their company's stock than they have bought. Specifically, they have bought $1,990.00 in company stock and sold $49,640.00 in company stock.

Percentage Held by Insiders

Only 7.35% of the stock of Franklin Financial Services is held by insiders.

Percentage Held by Institutions

Only 24.80% of the stock of Franklin Financial Services is held by institutions.

FRAF Stock Analysis - Frequently Asked Questions

How have FRAF shares performed this year?

Franklin Financial Services' stock was trading at $29.90 on January 1st, 2025. Since then, FRAF stock has increased by 59.4% and is now trading at $47.66.

How were Franklin Financial Services' earnings last quarter?

Franklin Financial Services Corp. (NASDAQ:FRAF) issued its quarterly earnings results on Tuesday, July, 22nd. The company reported $1.32 earnings per share for the quarter. The firm earned $22.34 million during the quarter. Franklin Financial Services had a trailing twelve-month return on equity of 9.64% and a net margin of 11.78%.

Who are Franklin Financial Services' major shareholders?

Franklin Financial Services' top institutional investors include Fourthstone LLC (8.43%), Geode Capital Management LLC (2.20%), Bridgeway Capital Management LLC (1.45%) and Marshall Wace LLP (1.02%). 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

• Last Earnings: 7/22/2025
• Record date for 8/27 Dividend: 8/01/2025
• Ex-Dividend for 8/27 Dividend: 8/01/2025
• Dividend Payable: 8/27/2025
• Today: 9/17/2025
• Next Earnings (Estimated): 10/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FRAF
• CIK: 723646
• Web: www.franklinfin.com
• Phone: (717) 264-6116
• Fax: 717-264-3415
• Employees: 280
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.26
• Trailing P/E Ratio: 14.55
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.10 million
• Net Margins: 11.78%
• Pretax Margin: 14.40%
• Return on Equity: 9.64%
• Return on Assets: 0.65%

Debt

• Debt-to-Equity Ratio: 1.27
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $115.13 million
• Price / Sales: 1.85
• Cash Flow: $3.67 per share
• Price / Cash Flow: 12.94
• Book Value: $32.77 per share
• Price / Book: 1.45

Miscellaneous

• Outstanding Shares: 4,480,000
• Free Float: 4,148,000
• Market Cap: $212.53 million
• Optionable: Not Optionable
• Beta: 0.20