Franklin Financial Services (FRAF) Competitors $42.83 -0.10 (-0.23%) Closing price 07/24/2025 04:00 PM EasternExtended Trading$43.00 +0.18 (+0.41%) As of 07/24/2025 04:39 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 Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock FRAF vs. IBCP, FUFU, EQBK, SPFI, ORRF, FSBC, SMBC, VEL, LDI, and SMBKShould you be buying Franklin Financial Services stock or one of its competitors? The main competitors of Franklin Financial Services include Independent Bank (IBCP), BitFuFu (FUFU), Equity Bancshares (EQBK), South Plains Financial (SPFI), Orrstown Financial Services (ORRF), Five Star Bancorp (FSBC), Southern Missouri Bancorp (SMBC), Velocity Financial (VEL), loanDepot (LDI), and SmartFinancial (SMBK). These companies are all part of the "banking" industry. Franklin Financial Services vs. Its Competitors Independent Bank BitFuFu Equity Bancshares South Plains Financial Orrstown Financial Services Five Star Bancorp Southern Missouri Bancorp Velocity Financial loanDepot SmartFinancial Independent Bank (NASDAQ:IBCP) and Franklin Financial Services (NASDAQ:FRAF) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, earnings, valuation, institutional ownership, dividends, media sentiment, analyst recommendations and risk. Do analysts prefer IBCP or FRAF? Independent Bank presently has a consensus price target of $36.67, indicating a potential upside of 11.65%. Given Independent Bank's stronger consensus rating and higher probable upside, equities research analysts plainly believe Independent Bank is more favorable than Franklin Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Independent Bank 0 Sell rating(s) 3 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Franklin Financial Services 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Is IBCP or FRAF more profitable? Independent Bank has a net margin of 20.62% compared to Franklin Financial Services' net margin of 11.78%. Independent Bank's return on equity of 14.71% beat Franklin Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Independent Bank20.62% 14.71% 1.25% Franklin Financial Services 11.78%9.78%0.66% Which has better valuation & earnings, IBCP or FRAF? Independent Bank has higher revenue and earnings than Franklin Financial Services. Independent Bank is trading at a lower price-to-earnings ratio than Franklin Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioIndependent Bank$216.85M3.14$66.79M$3.1410.46Franklin Financial Services$115.13M1.66$11.10M$2.6016.47 Is IBCP or FRAF a better dividend stock? Independent Bank pays an annual dividend of $1.04 per share and has a dividend yield of 3.2%. Franklin Financial Services pays an annual dividend of $1.32 per share and has a dividend yield of 3.1%. Independent Bank pays out 33.1% of its earnings in the form of a dividend. Franklin Financial Services pays out 50.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Independent Bank has raised its dividend for 11 consecutive years and Franklin Financial Services has raised its dividend for 1 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Which has more volatility and risk, IBCP or FRAF? Independent Bank has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500. Does the media prefer IBCP or FRAF? In the previous week, Independent Bank had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 10 mentions for Independent Bank and 8 mentions for Franklin Financial Services. Independent Bank's average media sentiment score of 0.70 beat Franklin Financial Services' score of 0.70 indicating that Independent Bank is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Independent Bank 0 Very Positive mention(s) 2 Positive mention(s) 5 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Franklin Financial Services 1 Very Positive mention(s) 1 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do insiders and institutionals hold more shares of IBCP or FRAF? 79.4% of Independent Bank shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 5.7% of Independent Bank shares are held by company insiders. Comparatively, 6.9% of Franklin Financial Services shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth. SummaryIndependent Bank beats Franklin Financial Services on 16 of the 18 factors compared between the two stocks. Get Franklin Financial Services News Delivered to You Automatically Sign up to receive the latest news and ratings for FRAF and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding FRAF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart FRAF vs. The Competition Export to ExcelMetricFranklin Financial ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$191.40M$888.71M$12.32B$9.47BDividend Yield3.07%3.09%5.53%3.99%P/E Ratio13.1416.9019.0619.95Price / Sales1.662.3526.25100.89Price / Cash11.7048.9821.8458.97Price / Book1.311.112.275.90Net Income$11.10M$54.19M$998.01M$258.42M7 Day Performance6.44%-0.59%0.88%2.11%1 Month Performance24.76%5.21%4.39%12.44%1 Year Performance39.33%10.20%540.85%19.55% Franklin Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)FRAFFranklin Financial Services2.0299 of 5 stars$42.83-0.2%N/A+39.5%$191.40M$115.13M13.14280Earnings ReportDividend AnnouncementIBCPIndependent Bank3.9597 of 5 stars$34.17+0.1%$36.67+7.3%-1.2%$707.21M$323.14M10.88920News CoverageDividend AnnouncementGap DownFUFUBitFuFu3.0196 of 5 stars$4.17-2.8%$6.60+58.4%-22.0%$704.22M$463.33M208.6029EQBKEquity Bancshares4.5603 of 5 stars$39.74-0.2%$47.80+20.3%-2.9%$697.62M$228.94M9.98700SPFISouth Plains Financial4.3467 of 5 stars$41.68+1.7%$42.50+2.0%+21.3%$665.34M$288.97M13.03680ORRFOrrstown Financial Services4.6061 of 5 stars$33.53-0.1%$38.50+14.8%+4.4%$654.90M$286.37M8.81430Trending NewsEarnings ReportDividend IncreaseAnalyst ForecastFSBCFive Star Bancorp4.425 of 5 stars$30.25+0.4%$35.00+15.7%+4.6%$642.44M$213.40M13.27180News CoverageEarnings ReportSMBCSouthern Missouri Bancorp4.0468 of 5 stars$56.90+0.2%$66.33+16.6%+12.5%$641.72M$273.22M11.40540News CoveragePositive NewsEarnings ReportDividend IncreaseVELVelocity Financial2.5548 of 5 stars$17.62+0.9%$21.33+21.1%-7.9%$637.14M$135.80M8.43220Upcoming EarningsLDIloanDepot1.2611 of 5 stars$1.94+3.3%$2.05+5.6%-4.0%$620.23M$1.06B-4.324,900News CoverageInsider TradeGap UpHigh Trading VolumeSMBKSmartFinancial3.1819 of 5 stars$36.14-0.4%$33.70-6.8%+28.8%$617.24M$178.24M16.89550Trending NewsEarnings ReportDividend AnnouncementAnalyst Forecast Related Companies and Tools Related Companies Independent Bank Alternatives BitFuFu Alternatives Equity Bancshares Alternatives South Plains Financial Alternatives Orrstown Financial Services Alternatives Five Star Bancorp Alternatives Southern Missouri Bancorp Alternatives Velocity Financial Alternatives loanDepot Alternatives SmartFinancial Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:FRAF) was last updated on 7/25/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredGoogle did what!?!?A new technology has sparked a modern-day gold rush in Silicon Valley. 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