Positive News SentimentPositive NewsNASDAQ:FRAF Franklin Financial Services (FRAF) Stock Price, News & Analysis $62.40 -0.35 (-0.56%) Closing price 03:59 PM EasternExtended Trading$62.40 0.00 (0.00%) As of 04:10 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$61.56▼$62.9150-Day Range$61.22▼$64.2652-Week Range$43.47▼$65.41Volume22,657 shsAverage Volume39,143 shsMarket Capitalization$280.80 millionP/E Ratio11.37Dividend Yield2.18%Price Target$68.00Consensus RatingModerate Buy Company Overview Franklin Financial Services, Inc. is a bank holding company headquartered in Chambersburg, Pennsylvania. Its principal subsidiary, F&M Trust, provides community banking services to individuals, families, businesses and nonprofit organizations. F&M Trust’s offerings include checking and savings accounts, certificates of deposit, consumer and residential mortgage loans, commercial lending, treasury management and online banking services. Through its trust and wealth management operations, the company also provides investment management, fiduciary and financial planning services. The company primarily serves communities in south-central Pennsylvania and surrounding areas through a network of banking offices and digital channels. F&M Trust has roots extending to the early 20th century and emphasizes relationship-based banking for retail and commercial customers.AI Generated. May Contain Errors. Read More Franklin Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks51st Percentile Overall ScoreFRAF MarketRank™: Franklin Financial Services scored higher than 51% of companies evaluated by MarketBeat, and ranked 643rd 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 Opinion2.4 / 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 11.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.72.Price to Earnings Ratio vs. SectorThe P/E ratio of Franklin Financial Services is 11.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.30.Price to Book Value per Share RatioFranklin Financial Services has a P/B Ratio of 1.58. 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 Shorted5.09% 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 5.2.Change versus previous monthShort interest in Franklin Financial Services has recently increased by 20.29%, 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 SentimentN/A News SentimentFranklin Financial Services has a news sentiment score of 1.82. 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 0.72 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article 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. 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FRAF Stock News HeadlinesFranklin Financial Services Corp FRAFAugust 9, 2026 | morningstar.comM7 Dividend Stocks You Must Buy Immediately to Get Paid in AugustAugust 5, 2026 | 247wallst.comThe end may be near for these iconic stocksMarc Chaikin, founder of Chaikin Analytics, says two forces - AI disruption and fracturing global trade - are triggering a historic wealth transfer already underway in 2026. Household names like Intuit (-57%), Boston Scientific (-49%), and Tractor Supply (-40%) are cratering, while lesser-known companies like Sandisk (+573%) and Rackspace (+444%) surge. Chaikin has identified specific stocks he believes investors should sell before they fall further - and the names may surprise you. He's also pinpointing a company tapped as Nvidia's self-driving partner and a potential AI megadeal that could split into three high-growth stocks. Stream his free presentation to get every buy and sell recommendation with no membership or credit card required.September 29 at 1:00 AM | Chaikin Analytics (Ad)Franklin 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.comFranklin Financial Services Corporation (FRAF) Shareholder/Analyst Call Prepared Remarks TranscriptApril 28, 2026 | seekingalpha.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 23.2% and is now trading at $61.83. How were Franklin Financial Services' earnings last quarter? Franklin Financial Services Corp. (NASDAQ:FRAF) issued its quarterly earnings results on Friday, July, 24th. The company reported $1.47 earnings per share 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 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 Payable8/26/2026Today9/29/2026Next 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 Sep 25 Dec 25 Mar 26 Jun 26 Sep 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+9.0%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$5.49 Trailing P/E Ratio11.37 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 / Sales2.10 Cash Flow$5.29 per share Price / Cash Flow11.79 Book Value$39.12 per share Price / Book1.60Miscellaneous Outstanding Shares4,500,000Free Float4,233,000Market Cap$280.80 million OptionableNot Optionable Beta-0.01 (Almost) Everything You Need To Know About The EV MarketLooking to profit from the electric vehicle mega-trend? 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