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Franklin Financial Services (FRAF) Competitors

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$64.06 0.00 (0.00%)
Closing price 08/14/2026 04:00 PM Eastern
Extended Trading
$64.02 -0.04 (-0.06%)
As of 08/14/2026 04:10 PM Eastern
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FRAF vs. CFFN, NBN, OCFC, MBWM, and EQBK

Should you buy Franklin Financial Services stock or one of its competitors? Franklin Financial Services's main competitors and comparable companies include Capitol Federal Financial (CFFN), Northeast Bancorp (NBN), OceanFirst Financial (OCFC), Mercantile Bank (MBWM), and Equity Bancshares (EQBK). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Franklin Financial Services compare to Capitol Federal Financial?

Franklin Financial Services (NASDAQ:FRAF) and Capitol Federal Financial (NASDAQ:CFFN) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, profitability, valuation, earnings, media sentiment and analyst recommendations.

Capitol Federal Financial has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than Capitol Federal Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Franklin Financial Services$133.55M2.16$21.23M$5.4911.67
Capitol Federal Financial$420.24M2.61$68.03M$0.6513.43

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 88.5% of Capitol Federal Financial shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 2.8% of Capitol Federal Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Capitol Federal Financial has a net margin of 18.69% compared to Franklin Financial Services' net margin of 18.20%. Franklin Financial Services' return on equity of 14.00% beat Capitol Federal Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services18.20% 14.00% 1.08%
Capitol Federal Financial 18.69%8.01%0.85%

In the previous week, Franklin Financial Services and Franklin Financial Services both had 1 articles in the media. Capitol Federal Financial's average media sentiment score of 1.89 beat Franklin Financial Services' score of 1.87 indicating that Capitol Federal Financial is being referred to more favorably in the news media.

Company Overall Sentiment
Franklin Financial Services Very Positive
Capitol Federal Financial Very Positive

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. Capitol Federal Financial pays an annual dividend of $0.34 per share and has a dividend yield of 3.9%. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. Capitol Federal Financial pays out 52.3% 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. Franklin Financial Services has raised its dividend for 1 consecutive years.

Franklin Financial Services has a beta of -0.02, suggesting that its share price is 102% less volatile than the broader market. Comparatively, Capitol Federal Financial has a beta of 0.68, suggesting that its share price is 32% less volatile than the broader market.

Franklin Financial Services presently has a consensus price target of $68.00, indicating a potential upside of 6.15%. Capitol Federal Financial has a consensus price target of $9.25, indicating a potential upside of 5.96%. Given Franklin Financial Services' higher probable upside, equities research analysts plainly believe Franklin Financial Services is more favorable than Capitol Federal Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Capitol Federal Financial
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

Summary

Capitol Federal Financial beats Franklin Financial Services on 11 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to Northeast Bancorp?

Franklin Financial Services (NASDAQ:FRAF) and Northeast Bancorp (NASDAQ:NBN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, risk, institutional ownership, valuation, dividends, media sentiment and earnings.

Northeast Bancorp has a net margin of 27.91% compared to Franklin Financial Services' net margin of 18.20%. Northeast Bancorp's return on equity of 19.94% beat Franklin Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services18.20% 14.00% 1.08%
Northeast Bancorp 27.91%19.94%2.28%

Franklin Financial Services currently has a consensus price target of $68.00, suggesting a potential upside of 6.15%. Northeast Bancorp has a consensus price target of $143.50, suggesting a potential upside of 6.36%. Given Northeast Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Northeast Bancorp is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Northeast Bancorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. Northeast Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. Northeast Bancorp pays out 0.3% 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. Franklin Financial Services has raised its dividend for 1 consecutive years. Franklin Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Northeast Bancorp has higher revenue and earnings than Franklin Financial Services. Northeast Bancorp 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
Franklin Financial Services$133.55M2.16$21.23M$5.4911.67
Northeast Bancorp$385.07M2.88$107.48M$12.7210.61

In the previous week, Northeast Bancorp had 1 more articles in the media than Franklin Financial Services. MarketBeat recorded 2 mentions for Northeast Bancorp and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.87 beat Northeast Bancorp's score of 0.94 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Franklin Financial Services Very Positive
Northeast Bancorp Positive

Franklin Financial Services has a beta of -0.02, indicating that its share price is 102% less volatile than the broader market. Comparatively, Northeast Bancorp has a beta of 0.58, indicating that its share price is 42% less volatile than the broader market.

24.8% of Franklin Financial Services shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 14.2% of Northeast Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Northeast Bancorp beats Franklin Financial Services on 14 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to OceanFirst Financial?

OceanFirst Financial (NASDAQ:OCFC) and Franklin Financial Services (NASDAQ:FRAF) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, media sentiment, risk, valuation and institutional ownership.

OceanFirst Financial has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than OceanFirst Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OceanFirst Financial$687.16M2.78$70.98M$0.8523.26
Franklin Financial Services$133.55M2.16$21.23M$5.4911.67

In the previous week, OceanFirst Financial had 4 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for OceanFirst Financial and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.87 beat OceanFirst Financial's score of 0.76 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
OceanFirst Financial Positive
Franklin Financial Services Very Positive

Franklin Financial Services has a net margin of 18.20% compared to OceanFirst Financial's net margin of 6.38%. Franklin Financial Services' return on equity of 14.00% beat OceanFirst Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
OceanFirst Financial6.38% 5.34% 0.59%
Franklin Financial Services 18.20%14.00%1.08%

71.0% of OceanFirst Financial shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 5.4% of OceanFirst Financial shares are held by company insiders. Comparatively, 5.9% of Franklin Financial Services shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

OceanFirst Financial pays an annual dividend of $0.80 per share and has a dividend yield of 4.0%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. OceanFirst Financial pays out 94.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. Franklin Financial Services has raised its dividend for 1 consecutive years.

OceanFirst Financial has a beta of 0.99, suggesting that its share price is 1% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.02, suggesting that its share price is 102% less volatile than the broader market.

OceanFirst Financial currently has a consensus target price of $21.50, indicating a potential upside of 8.75%. Franklin Financial Services has a consensus target price of $68.00, indicating a potential upside of 6.15%. Given OceanFirst Financial's higher probable upside, equities analysts clearly believe OceanFirst Financial is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OceanFirst Financial
0 Sell rating(s)
5 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.17
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

Summary

OceanFirst Financial and Franklin Financial Services tied by winning 9 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to Mercantile Bank?

Franklin Financial Services (NASDAQ:FRAF) and Mercantile Bank (NASDAQ:MBWM) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, risk, media sentiment and valuation.

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. Mercantile Bank pays an annual dividend of $1.56 per share and has a dividend yield of 2.5%. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. Mercantile Bank pays out 27.5% 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. Franklin Financial Services has increased its dividend for 1 consecutive years and Mercantile Bank has increased its dividend for 14 consecutive years. Mercantile Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Mercantile Bank has higher revenue and earnings than Franklin Financial Services. Mercantile 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
Franklin Financial Services$133.55M2.16$21.23M$5.4911.67
Mercantile Bank$371.80M2.86$88.75M$5.6810.84

Mercantile Bank has a net margin of 24.75% compared to Franklin Financial Services' net margin of 18.20%. Franklin Financial Services' return on equity of 14.00% beat Mercantile Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services18.20% 14.00% 1.08%
Mercantile Bank 24.75%13.66%1.46%

Franklin Financial Services has a beta of -0.02, suggesting that its share price is 102% less volatile than the broader market. Comparatively, Mercantile Bank has a beta of 0.79, suggesting that its share price is 21% less volatile than the broader market.

In the previous week, Mercantile Bank had 3 more articles in the media than Franklin Financial Services. MarketBeat recorded 4 mentions for Mercantile Bank and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.87 beat Mercantile Bank's score of 1.30 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Franklin Financial Services Very Positive
Mercantile Bank Positive

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 58.6% of Mercantile Bank shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 2.5% of Mercantile Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Franklin Financial Services currently has a consensus price target of $68.00, indicating a potential upside of 6.15%. Mercantile Bank has a consensus price target of $60.40, indicating a potential downside of 1.88%. Given Franklin Financial Services' stronger consensus rating and higher possible upside, equities research analysts plainly believe Franklin Financial Services is more favorable than Mercantile Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Mercantile Bank
0 Sell rating(s)
4 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.43

Summary

Mercantile Bank beats Franklin Financial Services on 12 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to Equity Bancshares?

Equity Bancshares (NYSE:EQBK) and Franklin Financial Services (NASDAQ:FRAF) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, analyst recommendations, institutional ownership, media sentiment and dividends.

Equity Bancshares has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than Equity Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Equity Bancshares$367.98M2.89$22.73M$1.6730.90
Franklin Financial Services$133.55M2.16$21.23M$5.4911.67

Equity Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 1.4%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. Equity Bancshares pays out 43.1% of its earnings in the form of a dividend. Franklin Financial Services pays out 24.8% 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. Equity Bancshares has increased its dividend for 3 consecutive years and Franklin Financial Services has increased its dividend for 1 consecutive years. Franklin Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

71.8% of Equity Bancshares shares are owned by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are owned by institutional investors. 14.5% of Equity Bancshares shares are owned by company insiders. Comparatively, 5.9% of Franklin Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Franklin Financial Services has a net margin of 18.20% compared to Equity Bancshares' net margin of 8.26%. Franklin Financial Services' return on equity of 14.00% beat Equity Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Equity Bancshares8.26% 13.34% 1.46%
Franklin Financial Services 18.20%14.00%1.08%

In the previous week, Equity Bancshares had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 3 mentions for Equity Bancshares and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.87 beat Equity Bancshares' score of 0.34 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Equity Bancshares Neutral
Franklin Financial Services Very Positive

Equity Bancshares currently has a consensus target price of $54.17, suggesting a potential upside of 4.95%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential upside of 6.15%. Given Franklin Financial Services' higher probable upside, analysts clearly believe Franklin Financial Services is more favorable than Equity Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Equity Bancshares
0 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.67
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

Equity Bancshares has a beta of 0.77, meaning that its share price is 23% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.02, meaning that its share price is 102% less volatile than the broader market.

Summary

Equity Bancshares beats Franklin Financial Services on 13 of the 20 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$288.27M$23.96B$14.08B$13.04B
Dividend Yield2.12%3.14%5.87%10.42%
P/E Ratio11.6728.2929.3825.35
Price / Sales2.169.56517.1699.98
Price / Cash12.0616.3530.4238.43
Price / Book1.641.412.866.52
Net Income$21.23M$2.58B$1.31B$346.81M
7 Day Performance3.67%1.17%0.97%1.26%
1 Month Performance2.36%3.03%1.92%2.56%
1 Year Performance51.08%27.83%12.14%20.83%

Franklin Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
2.7507 of 5 stars
$64.06
flat
$68.00
+6.2%
+51.1%$288.27M$133.55M11.67280
CFFN
Capitol Federal Financial
2.4349 of 5 stars
$8.81
+0.5%
$9.25
+5.0%
+43.3%$1.10B$420.24M13.55730
NBN
Northeast Bancorp
2.3664 of 5 stars
$134.64
+0.6%
$143.50
+6.6%
+34.8%$1.10B$385.07M10.58180
OCFC
OceanFirst Financial
4.3957 of 5 stars
$19.08
+0.4%
$21.50
+12.7%
+15.4%$1.09B$687.16M22.45960
MBWM
Mercantile Bank
4.1887 of 5 stars
$60.85
+0.4%
$60.40
-0.7%
+33.0%$1.05B$260.81M10.71670

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This page (NASDAQ:FRAF) was last updated on 8/17/2026 by MarketBeat.com Staff.
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