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Franklin Financial Services (FRAF) Competitors

Franklin Financial Services logo
$42.83 -0.10 (-0.23%)
Closing price 07/24/2025 04:00 PM Eastern
Extended Trading
$43.00 +0.18 (+0.41%)
As of 07/24/2025 04:39 PM Eastern
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FRAF vs. IBCP, FUFU, EQBK, SPFI, ORRF, FSBC, SMBC, VEL, LDI, and SMBK

Should 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 (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.

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)
2.00
Franklin Financial Services
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

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%

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 Ratio
Independent Bank$216.85M3.14$66.79M$3.1410.46
Franklin Financial Services$115.13M1.66$11.10M$2.6016.47

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.

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.

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

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.

Summary

Independent Bank beats Franklin Financial Services on 16 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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FRAF vs. The Competition

MetricFranklin Financial ServicesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$191.40M$888.71M$12.32B$9.47B
Dividend Yield3.07%3.09%5.53%3.99%
P/E Ratio13.1416.9019.0619.95
Price / Sales1.662.3526.25100.89
Price / Cash11.7048.9821.8458.97
Price / Book1.311.112.275.90
Net Income$11.10M$54.19M$998.01M$258.42M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
2.0299 of 5 stars
$42.83
-0.2%
N/A+39.5%$191.40M$115.13M13.14280Earnings Report
Dividend Announcement
IBCP
Independent Bank
3.9597 of 5 stars
$34.17
+0.1%
$36.67
+7.3%
-1.2%$707.21M$323.14M10.88920News Coverage
Dividend Announcement
Gap Down
FUFU
BitFuFu
3.0196 of 5 stars
$4.17
-2.8%
$6.60
+58.4%
-22.0%$704.22M$463.33M208.6029
EQBK
Equity Bancshares
4.5603 of 5 stars
$39.74
-0.2%
$47.80
+20.3%
-2.9%$697.62M$228.94M9.98700
SPFI
South Plains Financial
4.3467 of 5 stars
$41.68
+1.7%
$42.50
+2.0%
+21.3%$665.34M$288.97M13.03680
ORRF
Orrstown Financial Services
4.6061 of 5 stars
$33.53
-0.1%
$38.50
+14.8%
+4.4%$654.90M$286.37M8.81430Trending News
Earnings Report
Dividend Increase
Analyst Forecast
FSBC
Five Star Bancorp
4.425 of 5 stars
$30.25
+0.4%
$35.00
+15.7%
+4.6%$642.44M$213.40M13.27180News Coverage
Earnings Report
SMBC
Southern Missouri Bancorp
4.0468 of 5 stars
$56.90
+0.2%
$66.33
+16.6%
+12.5%$641.72M$273.22M11.40540News Coverage
Positive News
Earnings Report
Dividend Increase
VEL
Velocity Financial
2.5548 of 5 stars
$17.62
+0.9%
$21.33
+21.1%
-7.9%$637.14M$135.80M8.43220Upcoming Earnings
LDI
loanDepot
1.2611 of 5 stars
$1.94
+3.3%
$2.05
+5.6%
-4.0%$620.23M$1.06B-4.324,900News Coverage
Insider Trade
Gap Up
High Trading Volume
SMBK
SmartFinancial
3.1819 of 5 stars
$36.14
-0.4%
$33.70
-6.8%
+28.8%$617.24M$178.24M16.89550Trending News
Earnings Report
Dividend Announcement
Analyst Forecast

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This page (NASDAQ:FRAF) was last updated on 7/25/2025 by MarketBeat.com Staff
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