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

Company Overview

Franklin Financial Services Corporation is a bank holding company whose principal subsidiary, Farmers and Merchants Trust Company, operates as F&M Trust. The bank provides personal and business banking services, including deposit accounts, lending, mortgages and cash-management solutions.

F&M Trust also offers wealth management, investment and trust services to individuals, businesses and organizations. Its roots date to 1908, and it serves communities in south-central Pennsylvania through branches and other banking channels.

Key Stats

• Today's Range: $68.45 to $69.86
• 50-Day Range: $61.22 to $72.44
• 52-Week Range: $45.15 to $73.68
• Volume: 35,471 shs
• Average Volume: 40,978 shs
• Market Capitalization: $314.06 million
• P/E Ratio: 11.27
• Dividend Yield: 1.95%
• Price Target: $68.00
• Consensus Rating: Buy

Franklin Financial Services Stock Analysis - MarketRank™

Franklin Financial Services scored higher than 42% of companies evaluated by MarketBeat, and ranked 677th out of 852 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Franklin Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, no buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Franklin Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Franklin Financial Services has only been the subject of 1 research reports in the past 90 days.

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 11.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Franklin Financial Services is 11.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.49.

Price to Book Value per Share Ratio

Franklin Financial Services has a P/B Ratio of 1.76. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.82% 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 4.

Change versus previous month

Short interest in Franklin Financial Services has recently decreased by 4.13%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Franklin Financial Services pays a meaningful dividend of 1.95%, 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 21.97%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.91

News Sentiment

Franklin Financial Services has a news sentiment score of 0.91. 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 0.65 average news sentiment score 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: 1.9 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Franklin Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $993.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

5.93% of the stock of Franklin Financial Services is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Record date for 8/26 Dividend: 8/07/2026
• Ex-Dividend for 8/26 Dividend: 8/07/2026
• Dividend Payable: 8/26/2026
• Last Earnings: 10/27/2026
• Record date for 11/25 Dividend: 11/06/2026
• Ex-Dividend for 11/25 Dividend: 11/06/2026
• Today: 11/13/2026
• Dividend Payable: 11/25/2026
• Fiscal Year End: 12/31/2026
• Next Earnings (Estimated): 1/26/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FRAF
• CIK: 723646
• Web: www.franklinfin.com
• Phone: (717) 264-6116
• Fax: 717-264-3415
• Employees: 306
• Year Founded: N/A

Price 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: -2.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.19
• Trailing P/E Ratio: 11.27
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $21.23 million
• Net Margins: 20.43%
• Pretax Margin: 25.48%
• Return on Equity: 15.56%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 1.13
• Current Ratio: 0.91
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $133.55 million
• Price / Sales: 2.35
• Cash Flow: $5.31 per share
• Price / Cash Flow: 13.15
• Book Value: $39.49 per share
• Price / Book: 1.77

Miscellaneous

• Outstanding Shares: 4,500,000
• Free Float: 4,234,000
• Market Cap: $314.06 million
• Optionable: Not Optionable
• Beta: -0.04