Free Trial

Franklin Financial Services (FRAF) Competitors

Franklin Financial Services logo
$57.49 +1.37 (+2.44%)
Closing price 05/5/2026 04:00 PM Eastern
Extended Trading
$57.34 -0.15 (-0.26%)
As of 05/5/2026 05:41 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 Massive. Learn more.

FRAF vs. NBN, HBT, SBSI, BHRB, and EQBK

Should you be buying Franklin Financial Services stock or one of its competitors? The main competitors of Franklin Financial Services include Northeast Bancorp (NBN), HBT Financial (HBT), Southside Bancshares (SBSI), Burke & Herbert Financial Services (BHRB), and Equity Bancshares (EQBK). These companies are all part of the "banking" industry.

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 better business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, risk, earnings, valuation, institutional ownership and media sentiment.

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 large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Northeast Bancorp$351M2.96$83.44M$11.6710.85
Franklin Financial Services$133.55M1.93$21.23M$5.3410.77

Northeast Bancorp currently has a consensus target price of $130.50, indicating a potential upside of 3.06%. Franklin Financial Services has a consensus target price of $64.00, indicating a potential upside of 11.32%. Given Franklin Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe Franklin Financial Services is more favorable than Northeast Bancorp.

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)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00

Northeast Bancorp has a net margin of 25.96% compared to Franklin Financial Services' net margin of 17.73%. Northeast Bancorp's return on equity of 19.11% beat Franklin Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Northeast Bancorp25.96% 19.11% 2.20%
Franklin Financial Services 17.73%14.40%1.05%

Northeast Bancorp has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500.

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 2.4%. Northeast Bancorp pays out 0.3% of its earnings in the form of a dividend. Franklin Financial Services pays out 25.5% 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.

In the previous week, Northeast Bancorp had 5 more articles in the media than Franklin Financial Services. MarketBeat recorded 7 mentions for Northeast Bancorp and 2 mentions for Franklin Financial Services. Northeast Bancorp's average media sentiment score of 0.91 beat Franklin Financial Services' score of 0.74 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
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Franklin Financial Services
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Northeast Bancorp beats Franklin Financial Services on 13 of the 18 factors compared between the two stocks.

How does Franklin Financial Services compare to HBT Financial?

Franklin Financial Services (NASDAQ:FRAF) and HBT Financial (NASDAQ:HBT) 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, analyst recommendations, risk, profitability, institutional ownership, media sentiment, valuation and earnings.

Franklin Financial Services has a beta of -0.01, meaning that its share price is 101% less volatile than the S&P 500. Comparatively, HBT Financial has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500.

In the previous week, HBT Financial had 8 more articles in the media than Franklin Financial Services. MarketBeat recorded 10 mentions for HBT Financial and 2 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 0.74 beat HBT Financial's score of 0.40 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
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
HBT Financial
1 Very Positive mention(s)
1 Positive mention(s)
6 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

HBT Financial has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than HBT 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$133.55M1.93$21.23M$5.3410.77
HBT Financial$293.97M3.44$77.01M$2.1812.75

HBT Financial has a net margin of 22.72% compared to Franklin Financial Services' net margin of 17.73%. Franklin Financial Services' return on equity of 14.40% beat HBT Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services17.73% 14.40% 1.05%
HBT Financial 22.72%13.87%1.65%

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.4%. HBT Financial pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. Franklin Financial Services pays out 25.5% of its earnings in the form of a dividend. HBT Financial pays out 42.2% 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 HBT Financial has raised its dividend for 5 consecutive years. HBT Financial 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 held by institutional investors. Comparatively, 78.6% of HBT Financial shares are held by institutional investors. 5.9% of Franklin Financial Services shares are held by insiders. Comparatively, 51.9% of HBT Financial 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.

Franklin Financial Services presently has a consensus price target of $64.00, suggesting a potential upside of 11.32%. HBT Financial has a consensus price target of $30.20, suggesting a potential upside of 8.63%. Given Franklin Financial Services' higher probable upside, research analysts clearly believe Franklin Financial Services is more favorable than HBT Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Franklin Financial Services
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00
HBT Financial
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
2 Strong Buy rating(s)
3.00

Summary

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

How does Franklin Financial Services compare to Southside Bancshares?

Franklin Financial Services (NASDAQ:FRAF) and Southside Bancshares (NYSE:SBSI) 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.

In the previous week, Southside Bancshares had 11 more articles in the media than Franklin Financial Services. MarketBeat recorded 13 mentions for Southside Bancshares and 2 mentions for Franklin Financial Services. Southside Bancshares' average media sentiment score of 0.87 beat Franklin Financial Services' score of 0.74 indicating that Southside Bancshares is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Franklin Financial Services
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Southside Bancshares
5 Very Positive mention(s)
3 Positive mention(s)
4 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, 55.7% of Southside Bancshares shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by insiders. Comparatively, 5.1% of Southside Bancshares 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 currently has a consensus price target of $64.00, indicating a potential upside of 11.32%. Southside Bancshares has a consensus price target of $35.00, indicating a potential upside of 5.55%. Given Franklin Financial Services' stronger consensus rating and higher probable upside, equities analysts plainly believe Franklin Financial Services is more favorable than Southside Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Franklin Financial Services
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00
Southside Bancshares
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Franklin Financial Services has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500. Comparatively, Southside Bancshares has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.

Franklin Financial Services has a net margin of 17.73% compared to Southside Bancshares' net margin of 15.85%. Franklin Financial Services' return on equity of 14.40% beat Southside Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services17.73% 14.40% 1.05%
Southside Bancshares 15.85%10.81%1.06%

Southside Bancshares has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than Southside 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$133.55M1.93$21.23M$5.3410.77
Southside Bancshares$419.03M2.35$69.18M$2.3614.05

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.4%. Southside Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 4.3%. Franklin Financial Services pays out 25.5% of its earnings in the form of a dividend. Southside Bancshares pays out 61.0% 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 and Southside Bancshares has increased its dividend for 30 consecutive years. Southside Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

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

How does Franklin Financial Services compare to Burke & Herbert Financial Services?

Burke & Herbert Financial Services (NASDAQ:BHRB) 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 dividends, earnings, profitability, institutional ownership, media sentiment, analyst recommendations, valuation and risk.

Burke & Herbert Financial Services has higher revenue and earnings than Franklin Financial Services. Burke & Herbert Financial Services 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
Burke & Herbert Financial Services$491.11M1.93$117.31M$7.718.17
Franklin Financial Services$133.55M1.93$21.23M$5.3410.77

Burke & Herbert Financial Services has a beta of 0.74, meaning that its share price is 26% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of -0.01, meaning that its share price is 101% less volatile than the S&P 500.

Burke & Herbert Financial Services presently has a consensus price target of $71.40, indicating a potential upside of 13.30%. Franklin Financial Services has a consensus price target of $64.00, indicating a potential upside of 11.32%. Given Burke & Herbert Financial Services' higher possible upside, equities analysts plainly believe Burke & Herbert Financial Services is more favorable than Franklin Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Burke & Herbert Financial Services
0 Sell rating(s)
5 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.29
Franklin Financial Services
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00

Burke & Herbert Financial Services has a net margin of 24.04% compared to Franklin Financial Services' net margin of 17.73%. Burke & Herbert Financial Services' return on equity of 14.66% beat Franklin Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Burke & Herbert Financial Services24.04% 14.66% 1.49%
Franklin Financial Services 17.73%14.40%1.05%

24.8% of Franklin Financial Services shares are owned by institutional investors. 10.9% of Burke & Herbert Financial Services shares are owned by insiders. Comparatively, 5.9% of Franklin Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

In the previous week, Burke & Herbert Financial Services had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 4 mentions for Burke & Herbert Financial Services and 2 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 0.74 beat Burke & Herbert Financial Services' score of 0.73 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
Burke & Herbert Financial Services
1 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Franklin Financial Services
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Burke & Herbert Financial Services pays an annual dividend of $2.20 per share and has a dividend yield of 3.5%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.4%. Burke & Herbert Financial Services pays out 28.5% of its earnings in the form of a dividend. Franklin Financial Services pays out 25.5% 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. Burke & Herbert Financial Services has raised its dividend for 1 consecutive years and Franklin Financial Services has raised its dividend for 1 consecutive years.

Summary

Burke & Herbert Financial Services beats Franklin Financial Services on 11 of the 17 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 banking companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, risk, valuation, analyst recommendations, profitability, media sentiment and earnings.

Franklin Financial Services has a net margin of 17.73% compared to Equity Bancshares' net margin of 6.15%. Franklin Financial Services' return on equity of 14.40% beat Equity Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services17.73% 14.40% 1.05%
Equity Bancshares 6.15%13.43%1.54%

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

In the previous week, Equity Bancshares had 3 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for Equity Bancshares and 2 mentions for Franklin Financial Services. Equity Bancshares' average media sentiment score of 1.37 beat Franklin Financial Services' score of 0.74 indicating that Equity Bancshares is being referred to more favorably in the news media.

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

Franklin Financial Services currently has a consensus price target of $64.00, indicating a potential upside of 11.32%. Equity Bancshares has a consensus price target of $51.33, indicating a potential upside of 11.47%. Given Equity Bancshares' higher possible upside, analysts clearly 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)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00
Equity Bancshares
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.4%. Equity Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 1.6%. Franklin Financial Services pays out 25.5% of its earnings in the form of a dividend. Equity Bancshares pays out 57.1% 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.

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$133.55M1.93$21.23M$5.3410.77
Equity Bancshares$367.98M2.63$22.73M$1.2636.55

Franklin Financial Services has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500. Comparatively, Equity Bancshares has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500.

Summary

Equity Bancshares beats Franklin Financial Services on 12 of the 19 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.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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.
Skip Chart

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.
Skip Chart

FRAF vs. The Competition

MetricFranklin Financial ServicesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$252.09M$1.09B$13.34B$11.77B
Dividend Yield2.42%2.73%5.80%5.26%
P/E Ratio10.7716.8923.2727.07
Price / Sales1.932.29181.7473.43
Price / Cash10.5623.5620.2453.90
Price / Book1.471.173.436.69
Net Income$21.23M$75.56M$1.11B$332.64M
7 Day Performance-2.24%-0.33%0.03%2.01%
1 Month Performance11.26%4.15%4.66%9.19%
1 Year Performance49.09%24.60%13.62%39.59%

Franklin Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
3.7908 of 5 stars
$57.49
+2.4%
$64.00
+11.3%
+49.1%$252.09M$133.55M10.77280
NBN
Northeast Bancorp
1.7519 of 5 stars
$129.20
+4.6%
$117.50
-9.1%
+52.2%$1.01B$351M11.07180
HBT
HBT Financial
4.2768 of 5 stars
$28.64
+3.1%
$30.20
+5.4%
+17.9%$1.01B$293.97M13.14730
SBSI
Southside Bancshares
3.938 of 5 stars
$33.31
+0.7%
$35.00
+5.1%
N/A$983.62M$419.03M14.54810
BHRB
Burke & Herbert Financial Services
4.3484 of 5 stars
$64.76
+1.0%
$71.40
+10.3%
+9.6%$963.99M$491.11M8.40850

Related Companies and Tools


This page (NASDAQ:FRAF) was last updated on 5/6/2026 by MarketBeat.com Staff.
From Our Partners