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Franklin Financial Services (FRAF) Competitors

Franklin Financial Services logo
$64.26 +1.06 (+1.68%)
As of 09/4/2026 04:00 PM Eastern

FRAF vs. CFFN, NBN, MBWM, MOFG, 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), Mercantile Bank (MBWM), MidWestOne Financial Group (MOFG), 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 contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, institutional ownership, profitability and media sentiment.

24.8% of Franklin Financial Services shares are held by institutional investors. Comparatively, 88.5% of Capitol Federal Financial shares are held by institutional investors. 5.9% of Franklin Financial Services shares are held by company insiders. Comparatively, 2.8% of Capitol Federal Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

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$133.55M2.17$21.23M$5.4911.70
Capitol Federal Financial$226.47M4.92$68.03M$0.6513.65

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 3.8%. 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 -0.01, meaning that its share price is 101% less volatile than the broader market. Comparatively, Capitol Federal Financial has a beta of 0.68, meaning that its share price is 32% less volatile than the broader market.

Franklin Financial Services currently has a consensus target price of $68.00, suggesting a potential upside of 5.82%. Capitol Federal Financial has a consensus target price of $9.25, suggesting a potential upside of 4.28%. Given Franklin Financial Services' higher probable upside, research analysts clearly 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

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, Capitol Federal Financial had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for Capitol Federal Financial and 3 mentions for Franklin Financial Services. Capitol Federal Financial's average media sentiment score of 1.39 beat Franklin Financial Services' score of 1.14 indicating that Capitol Federal Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Franklin Financial Services
2 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Capitol Federal Financial
5 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Capitol Federal Financial beats Franklin Financial Services on 12 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to Northeast Bancorp?

Northeast Bancorp (NASDAQ:NBN) 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 earnings, analyst recommendations, profitability, institutional ownership, valuation, risk, dividends and media sentiment.

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
Northeast Bancorp$385.07M2.83$107.48M$12.7210.44
Franklin Financial Services$133.55M2.17$21.23M$5.4911.70

Northeast Bancorp currently has a consensus target price of $143.50, suggesting a potential upside of 8.01%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential upside of 5.82%. Given Northeast Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Northeast Bancorp is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Northeast Bancorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 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

In the previous week, Northeast Bancorp had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for Northeast Bancorp and 3 mentions for Franklin Financial Services. Northeast Bancorp's average media sentiment score of 1.77 beat Franklin Financial Services' score of 1.14 indicating that Northeast Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Northeast Bancorp
5 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
2 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Northeast Bancorp has a beta of 0.58, indicating that its stock price is 42% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.01, indicating that its stock price is 101% less volatile than the broader market.

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
Northeast Bancorp27.91% 19.94% 2.28%
Franklin Financial Services 18.20%14.00%1.08%

Northeast Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. Northeast Bancorp pays out 0.3% 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. 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.

24.8% of Franklin Financial Services shares are owned by institutional investors. 14.2% of Northeast 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 endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Northeast Bancorp beats Franklin Financial Services on 15 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to Mercantile Bank?

Mercantile Bank (NASDAQ:MBWM) 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.

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

In the previous week, Mercantile Bank had 5 more articles in the media than Franklin Financial Services. MarketBeat recorded 8 mentions for Mercantile Bank and 3 mentions for Franklin Financial Services. Mercantile Bank's average media sentiment score of 1.42 beat Franklin Financial Services' score of 1.14 indicating that Mercantile Bank is being referred to more favorably in the media.

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

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
Mercantile Bank24.75% 13.66% 1.46%
Franklin Financial Services 18.20%14.00%1.08%

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
Mercantile Bank$371.80M2.89$88.75M$5.6810.94
Franklin Financial Services$133.55M2.17$21.23M$5.4911.70

Mercantile Bank has a beta of 0.8, indicating that its share price is 20% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.01, indicating that its share price is 101% less volatile than the broader market.

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

Mercantile Bank presently has a consensus target price of $62.00, suggesting a potential downside of 0.23%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential upside of 5.82%. Given Franklin Financial Services' stronger consensus rating and higher probable upside, analysts plainly believe Franklin Financial Services is more favorable than Mercantile Bank.

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

Summary

Mercantile Bank beats Franklin Financial Services on 13 of the 19 factors compared between the two stocks.

How does Franklin Financial Services compare to MidWestOne Financial Group?

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

Franklin Financial Services presently has a consensus target price of $68.00, indicating a potential upside of 5.82%. MidWestOne Financial Group has a consensus target price of $50.00, indicating a potential upside of 1.40%. Given Franklin Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe Franklin Financial Services is more favorable than MidWestOne Financial Group.

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
MidWestOne Financial Group
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 65.4% of MidWestOne Financial Group shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 2.5% of MidWestOne Financial Group shares are owned by company 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.

Franklin Financial Services has a net margin of 18.20% compared to MidWestOne Financial Group's net margin of 16.66%. Franklin Financial Services' return on equity of 14.00% beat MidWestOne Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services18.20% 14.00% 1.08%
MidWestOne Financial Group 16.66%10.22%0.96%

Franklin Financial Services has a beta of -0.01, meaning that its share price is 101% less volatile than the broader market. Comparatively, MidWestOne Financial Group has a beta of 1.07, meaning that its share price is 7% more volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Franklin Financial Services$133.55M2.17$21.23M$5.4911.70
MidWestOne Financial Group$238.84M4.26-$60.29M$2.8117.55

In the previous week, Franklin Financial Services had 3 more articles in the media than MidWestOne Financial Group. MarketBeat recorded 3 mentions for Franklin Financial Services and 0 mentions for MidWestOne Financial Group. Franklin Financial Services' average media sentiment score of 1.14 beat MidWestOne Financial Group's score of 0.00 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Franklin Financial Services Positive
MidWestOne Financial Group Neutral

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.1%. MidWestOne Financial Group pays an annual dividend of $0.97 per share and has a dividend yield of 2.0%. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. MidWestOne Financial Group pays out 34.5% 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. 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 MidWestOne Financial Group on 13 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to Equity Bancshares?

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

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

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
Franklin Financial Services18.20% 14.00% 1.08%
Equity Bancshares 8.26%13.34%1.46%

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 71.8% of Equity Bancshares shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 14.5% of Equity Bancshares 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.

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
Franklin Financial Services$133.55M2.17$21.23M$5.4911.70
Equity Bancshares$367.98M2.85$22.73M$1.6730.48

In the previous week, Equity Bancshares had 9 more articles in the media than Franklin Financial Services. MarketBeat recorded 12 mentions for Equity Bancshares and 3 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.14 beat Equity Bancshares' score of 0.66 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
2 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Equity Bancshares
5 Very Positive mention(s)
2 Positive mention(s)
4 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Franklin Financial Services presently has a consensus price target of $68.00, indicating a potential upside of 5.82%. Equity Bancshares has a consensus price target of $55.00, indicating a potential upside of 8.06%. Given Equity Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Equity Bancshares 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
Equity Bancshares
0 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.67

Franklin Financial Services has a beta of -0.01, meaning that its share price is 101% less volatile than the broader market. Comparatively, Equity Bancshares has a beta of 0.76, meaning that its share price is 24% less volatile than the broader market.

Summary

Equity Bancshares beats Franklin Financial Services on 14 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$289.14M$23.11B$14.00B$12.91B
Dividend Yield2.12%3.14%5.89%9.14%
P/E Ratio11.7027.3426.1825.45
Price / Sales2.179.72509.61105.93
Price / Cash12.0916.3439.9652.44
Price / Book1.571.392.136.17
Net Income$21.23M$2.58B$1.32B$350.08M
7 Day Performance3.54%1.39%3.84%-0.14%
1 Month Performance1.94%1.08%1.69%0.94%
1 Year Performance36.00%24.39%11.19%14.02%

Franklin Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
2.4031 of 5 stars
$64.26
+1.7%
$68.00
+5.8%
+36.0%$289.14M$133.55M11.70280
CFFN
Capitol Federal Financial
2.9558 of 5 stars
$8.55
-0.7%
$9.25
+8.2%
+36.7%$1.08B$420.24M13.15730
NBN
Northeast Bancorp
1.9623 of 5 stars
$124.65
-1.2%
$143.50
+15.1%
+21.9%$1.04B$385.07M9.80180
MBWM
Mercantile Bank
3.7314 of 5 stars
$59.14
-1.0%
$62.00
+4.8%
+27.6%$1.03B$371.80M10.41670
MOFG
MidWestOne Financial Group
N/A$49.31
flat
$50.00
+1.4%
N/A$1.02B$238.84M17.55730

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This page (NASDAQ:FRAF) was last updated on 9/6/2026 by MarketBeat.com Staff.
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