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Franklin Financial Services (FRAF) Competitors

Franklin Financial Services logo
$69.88 -0.30 (-0.43%)
Closing price 04:00 PM Eastern
Extended Trading
$69.93 +0.05 (+0.07%)
As of 04:44 PM Eastern
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FRAF vs. OSBC, CTBI, MCB, HFWA, and AMTB

Should you buy Franklin Financial Services stock or one of its competitors? Franklin Financial Services's main competitors and comparable companies include Old Second Bancorp (OSBC), Community Trust Bancorp (CTBI), Metropolitan Bank (MCB), Heritage Financial (HFWA), and Amerant Bancorp (AMTB). 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 Old Second Bancorp?

Old Second Bancorp (NASDAQ:OSBC) and Franklin Financial Services (NASDAQ:FRAF) 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, risk, earnings, institutional ownership, media sentiment, dividends, valuation and profitability.

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are owned by institutional investors. 3.6% of Old Second Bancorp 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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Old Second Bancorp$401.54M3.09$80.31M$2.1211.84
Franklin Financial Services$133.55M2.35$21.23M$6.1911.29

Old Second Bancorp presently has a consensus target price of $26.75, suggesting a potential upside of 6.57%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential downside of 2.69%. Given Old Second Bancorp's higher probable upside, analysts plainly believe Old Second Bancorp is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Old Second Bancorp
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
2.83
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
3.00

Old Second Bancorp has a net margin of 24.50% compared to Franklin Financial Services' net margin of 20.43%. Franklin Financial Services' return on equity of 15.52% beat Old Second Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Old Second Bancorp24.50% 12.76% 1.66%
Franklin Financial Services 20.43%15.52%1.21%

Old Second Bancorp has a beta of 0.78, indicating that its share price is 22% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.04, indicating that its share price is 104% less volatile than the broader market.

Old Second Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Old Second Bancorp pays out 15.1% of its earnings in the form of a dividend. Franklin Financial Services pays out 22.0% 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. Old Second Bancorp has raised its dividend for 1 consecutive years and Franklin Financial Services has raised its dividend for 1 consecutive years.

In the previous week, Old Second Bancorp had 3 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for Old Second Bancorp and 2 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 0.60 beat Old Second Bancorp's score of 0.47 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Old Second Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Franklin Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Old Second Bancorp beats Franklin Financial Services on 12 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to Community Trust Bancorp?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Community Trust Bancorp$409.34M3.11$98.06M$6.0811.53
Franklin Financial Services$133.55M2.35$21.23M$6.1911.29

Community Trust Bancorp pays an annual dividend of $2.60 per share and has a dividend yield of 3.7%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Community Trust Bancorp pays out 42.8% of its earnings in the form of a dividend. Franklin Financial Services pays out 22.0% 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. Community Trust Bancorp has raised its dividend for 44 consecutive years and Franklin Financial Services has raised its dividend for 1 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Community Trust Bancorp has a net margin of 25.48% compared to Franklin Financial Services' net margin of 20.43%. Franklin Financial Services' return on equity of 15.52% beat Community Trust Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Community Trust Bancorp25.48% 12.58% 1.60%
Franklin Financial Services 20.43%15.52%1.21%

60.2% of Community Trust Bancorp shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 2.6% of Community Trust Bancorp shares are held by insiders. Comparatively, 5.9% of Franklin Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Community Trust Bancorp currently has a consensus target price of $78.50, suggesting a potential upside of 12.01%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential downside of 2.69%. Given Community Trust Bancorp's higher possible upside, analysts clearly believe Community Trust Bancorp is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Trust Bancorp
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
3.00

Community Trust Bancorp has a beta of 0.56, indicating that its share price is 44% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.04, indicating that its share price is 104% less volatile than the broader market.

In the previous week, Community Trust Bancorp and Community Trust Bancorp both had 2 articles in the media. Community Trust Bancorp's average media sentiment score of 1.55 beat Franklin Financial Services' score of 0.60 indicating that Community Trust Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Community Trust Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Franklin Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Community Trust Bancorp beats Franklin Financial Services on 13 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to Metropolitan Bank?

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

Metropolitan Bank has higher revenue and earnings than Franklin Financial Services. Metropolitan 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
Metropolitan Bank$370.47M3.19$71.10M$9.819.86
Franklin Financial Services$133.55M2.35$21.23M$6.1911.29

Metropolitan Bank currently has a consensus target price of $105.00, suggesting a potential upside of 8.51%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential downside of 2.69%. Given Metropolitan Bank's higher possible upside, equities analysts plainly believe Metropolitan Bank is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Metropolitan Bank
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
3.00

In the previous week, Franklin Financial Services had 1 more articles in the media than Metropolitan Bank. MarketBeat recorded 2 mentions for Franklin Financial Services and 1 mentions for Metropolitan Bank. Franklin Financial Services' average media sentiment score of 0.60 beat Metropolitan Bank's score of -1.05 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Metropolitan Bank
0 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Negative
Franklin Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

79.8% of Metropolitan Bank shares are owned by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are owned by institutional investors. 5.5% of Metropolitan Bank 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Franklin Financial Services has a net margin of 20.43% compared to Metropolitan Bank's net margin of 18.03%. Franklin Financial Services' return on equity of 15.52% beat Metropolitan Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Metropolitan Bank18.03% 12.63% 1.29%
Franklin Financial Services 20.43%15.52%1.21%

Metropolitan Bank has a beta of 1.01, indicating that its stock price is 1% more volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.04, indicating that its stock price is 104% less volatile than the broader market.

Metropolitan Bank pays an annual dividend of $1.60 per share and has a dividend yield of 1.7%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Metropolitan Bank pays out 16.3% of its earnings in the form of a dividend. Franklin Financial Services pays out 22.0% 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. Franklin Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Metropolitan Bank beats Franklin Financial Services on 10 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to Heritage Financial?

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

Franklin Financial Services presently has a consensus target price of $68.00, indicating a potential downside of 2.69%. Heritage Financial has a consensus target price of $32.67, indicating a potential upside of 15.88%. Given Heritage Financial's higher probable upside, analysts plainly believe Heritage Financial 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)
0 Buy rating(s)
1 Strong Buy rating(s)
3.00
Heritage Financial
0 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.50

Heritage Financial has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than Heritage 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$133.55M2.35$21.23M$6.1911.29
Heritage Financial$335.97M3.40$67.53M$2.0114.02

In the previous week, Franklin Financial Services and Franklin Financial Services both had 2 articles in the media. Heritage Financial's average media sentiment score of 0.97 beat Franklin Financial Services' score of 0.60 indicating that Heritage Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Franklin Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Heritage Financial
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 78.3% of Heritage Financial shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by insiders. Comparatively, 1.5% of Heritage Financial shares are owned by 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.

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Heritage Financial pays an annual dividend of $1.00 per share and has a dividend yield of 3.5%. Franklin Financial Services pays out 22.0% of its earnings in the form of a dividend. Heritage Financial pays out 49.8% 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. Franklin Financial Services has raised its dividend for 1 consecutive years and Heritage Financial has raised its dividend for 14 consecutive years. Heritage Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Franklin Financial Services has a beta of -0.04, suggesting that its share price is 104% less volatile than the broader market. Comparatively, Heritage Financial has a beta of 0.53, suggesting that its share price is 47% less volatile than the broader market.

Franklin Financial Services has a net margin of 20.43% compared to Heritage Financial's net margin of 19.24%. Franklin Financial Services' return on equity of 15.52% beat Heritage Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services20.43% 15.52% 1.21%
Heritage Financial 19.24%8.70%1.14%

Summary

Heritage Financial beats Franklin Financial Services on 11 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to Amerant Bancorp?

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

Franklin Financial Services currently has a consensus price target of $68.00, indicating a potential downside of 2.69%. Amerant Bancorp has a consensus price target of $30.25, indicating a potential downside of 0.33%. Given Amerant Bancorp's higher probable upside, analysts plainly believe Amerant 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)
0 Buy rating(s)
1 Strong Buy rating(s)
3.00
Amerant Bancorp
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 42.1% of Amerant Bancorp shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by insiders. Comparatively, 2.7% of Amerant Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Franklin Financial Services has a net margin of 20.43% compared to Amerant Bancorp's net margin of 10.63%. Franklin Financial Services' return on equity of 15.52% beat Amerant Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services20.43% 15.52% 1.21%
Amerant Bancorp 10.63%9.57%0.86%

Franklin Financial Services has a beta of -0.04, suggesting that its stock price is 104% less volatile than the broader market. Comparatively, Amerant Bancorp has a beta of 0.8, suggesting that its stock price is 20% less volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Franklin Financial Services$133.55M2.35$21.23M$6.1911.29
Amerant Bancorp$676.04M1.76$52.42M$1.6917.96

In the previous week, Amerant Bancorp had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 4 mentions for Amerant Bancorp and 2 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 0.60 beat Amerant Bancorp's score of 0.15 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Franklin Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Amerant Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 1.9%. Amerant Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. Franklin Financial Services pays out 22.0% of its earnings in the form of a dividend. Amerant Bancorp pays out 21.3% 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 increased 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.

Summary

Franklin Financial Services beats Amerant Bancorp on 11 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$314.46M$23.06B$14.18B$12.22B
Dividend Yield1.94%3.08%4.87%4.44%
P/E Ratio11.2917.6721.3430.86
Price / Sales2.352.795.215.81
Price / Cash13.2214.5420.3822.66
Price / Book1.791.341.833.79
Net Income$21.23M$2.61B$1.32B$390.16M
7 Day Performance-2.19%-0.24%-0.65%-1.10%
1 Month Performance11.63%2.01%0.19%-6.19%
1 Year Performance43.61%20.36%5.10%-5.75%

Franklin Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
1.8882 of 5 stars
$69.88
-0.4%
$68.00
-2.7%
+48.8%$314.46M$133.55M11.29306
OSBC
Old Second Bancorp
3.536 of 5 stars
$24.99
-0.3%
$26.75
+7.0%
+36.2%$1.28B$401.54M11.551,062
CTBI
Community Trust Bancorp
4.6852 of 5 stars
$69.38
-0.9%
$78.50
+13.1%
+30.5%$1.27B$409.34M11.52930
MCB
Metropolitan Bank
2.8141 of 5 stars
$95.90
-1.8%
$105.00
+9.5%
+40.9%$1.21B$527.15M9.96328
HFWA
Heritage Financial
4.0165 of 5 stars
$28.77
-1.6%
$32.67
+13.5%
+26.7%$1.20B$335.97M14.31755

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This page (NASDAQ:FRAF) was last updated on 11/11/2026 by MarketBeat.com Staff.
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