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Franklin Financial Services (FRAF) Competitors

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$62.65 +0.39 (+0.63%)
Closing price 09/25/2026 04:00 PM Eastern
Extended Trading
$62.51 -0.14 (-0.22%)
As of 09/25/2026 04:10 PM Eastern
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FRAF vs. CFFN, MCB, FSBC, NBN, and MBWM

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), Metropolitan Bank (MCB), Five Star Bancorp (FSBC), Northeast Bancorp (NBN), and Mercantile Bank (MBWM). 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 superior investment? We will contrast the two companies based on the strength of their media sentiment, risk, valuation, profitability, analyst recommendations, dividends, earnings and institutional ownership.

Franklin Financial Services has a beta of -0.01, suggesting that its stock price is 101% less volatile than the broader market. Comparatively, Capitol Federal Financial has a beta of 0.68, suggesting that its stock price is 32% less volatile than the broader market.

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.2%. 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 increased its dividend for 1 consecutive years.

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 11 more articles in the media than Franklin Financial Services. MarketBeat recorded 12 mentions for Capitol Federal Financial and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.53 beat Capitol Federal Financial's score of 0.30 indicating that Franklin Financial Services is being referred to more favorably in the media.

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

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$93.23M3.02$21.23M$5.4911.41
Capitol Federal Financial$226.47M4.82$68.03M$0.6513.35

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

Franklin Financial Services currently has a consensus price target of $68.00, suggesting a potential upside of 8.54%. Capitol Federal Financial has a consensus price target of $9.25, suggesting a potential upside of 6.57%. Given Franklin Financial Services' higher possible upside, equities 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

Summary

Capitol Federal Financial beats Franklin Financial Services on 11 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 better business? We will contrast the two companies based on the strength of their dividends, risk, valuation, earnings, institutional ownership, analyst recommendations, profitability and media sentiment.

Metropolitan Bank pays an annual dividend of $1.40 per share and has a dividend yield of 1.6%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.2%. Metropolitan Bank pays out 17.7% 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.

Metropolitan Bank has a beta of 0.97, indicating that its stock price is 3% 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.

79.8% of Metropolitan Bank shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 5.5% of Metropolitan Bank 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 hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

In the previous week, Metropolitan Bank had 3 more articles in the media than Franklin Financial Services. MarketBeat recorded 4 mentions for Metropolitan Bank and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.53 beat Metropolitan Bank's score of 0.31 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Metropolitan Bank Neutral
Franklin Financial Services Very Positive

Franklin Financial Services has a net margin of 18.20% compared to Metropolitan Bank's net margin of 14.31%. Franklin Financial Services' return on equity of 14.00% beat Metropolitan Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Metropolitan Bank14.31% 10.22% 1.01%
Franklin Financial Services 18.20%14.00%1.08%

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$349.75M3.18$71.10M$7.9011.35
Franklin Financial Services$93.23M3.02$21.23M$5.4911.41

Metropolitan Bank currently has a consensus target price of $105.00, suggesting a potential upside of 17.10%. Franklin Financial Services has a consensus target price of $68.00, suggesting a potential upside of 8.54%. Given Metropolitan Bank's stronger consensus rating and higher possible upside, analysts clearly 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)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

Summary

Metropolitan Bank beats Franklin Financial Services on 12 of the 20 factors compared between the two stocks.

How does Franklin Financial Services compare to Five Star Bancorp?

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

Franklin Financial Services has a beta of -0.01, indicating that its stock price is 101% less volatile than the broader market. Comparatively, Five Star Bancorp has a beta of 0.53, indicating that its stock price is 47% less volatile than the broader market.

In the previous week, Five Star Bancorp had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 3 mentions for Five Star Bancorp and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.53 beat Five Star Bancorp's score of 0.61 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Franklin Financial Services Very Positive
Five Star Bancorp Positive

Five Star Bancorp has higher revenue and earnings than Franklin Financial Services. Franklin Financial Services is trading at a lower price-to-earnings ratio than Five Star 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$93.23M3.02$21.23M$5.4911.41
Five Star Bancorp$255.47M4.21$61.61M$3.3812.97

Five Star Bancorp has a net margin of 25.92% compared to Franklin Financial Services' net margin of 18.20%. Five Star Bancorp's return on equity of 15.92% beat Franklin Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Franklin Financial Services18.20% 14.00% 1.08%
Five Star Bancorp 25.92%15.92%1.45%

Franklin Financial Services presently has a consensus target price of $68.00, indicating a potential upside of 8.54%. Five Star Bancorp has a consensus target price of $45.20, indicating a potential upside of 3.13%. Given Franklin Financial Services' higher probable upside, analysts plainly believe Franklin Financial Services is more favorable than Five Star Bancorp.

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
Five Star Bancorp
0 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.57

Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.2%. Five Star Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.3%. Franklin Financial Services pays out 24.8% of its earnings in the form of a dividend. Five Star Bancorp pays out 29.6% 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.

24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 46.9% of Five Star Bancorp shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by company insiders. Comparatively, 21.8% of Five Star Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Five Star Bancorp beats Franklin Financial Services on 14 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 better business? We will contrast the two businesses based on the strength of their media sentiment, dividends, analyst recommendations, risk, valuation, profitability, institutional ownership and earnings.

24.8% of Franklin Financial Services shares are owned by institutional investors. 14.2% of Northeast Bancorp 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, large money managers and endowments believe a company is poised for long-term growth.

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 19.35% beat Franklin Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Northeast Bancorp27.91% 19.35% 2.22%
Franklin Financial Services 18.20%14.00%1.08%

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$222.55M4.80$107.48M$12.7210.24
Franklin Financial Services$93.23M3.02$21.23M$5.4911.41

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 2.2%. 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.

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

In the previous week, Northeast Bancorp and Northeast Bancorp both had 1 articles in the media. Northeast Bancorp's average media sentiment score of 1.82 beat Franklin Financial Services' score of 1.53 indicating that Northeast Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Northeast Bancorp Very Positive
Franklin Financial Services Very Positive

Northeast Bancorp presently has a consensus price target of $143.50, suggesting a potential upside of 10.18%. Franklin Financial Services has a consensus price target of $68.00, suggesting a potential upside of 8.54%. 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

Summary

Northeast Bancorp beats Franklin Financial Services on 14 of the 18 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 superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings, risk and media sentiment.

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

Mercantile Bank currently has a consensus price target of $62.00, suggesting a potential upside of 3.28%. Franklin Financial Services has a consensus price target of $68.00, suggesting a potential upside of 8.54%. Given Franklin Financial Services' 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)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50
Franklin Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

Mercantile Bank pays an annual dividend of $1.60 per share and has a dividend yield of 2.7%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.2%. Mercantile Bank pays out 28.2% 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 increased its dividend for 14 consecutive years and Franklin Financial Services has increased 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.

In the previous week, Mercantile Bank had 4 more articles in the media than Franklin Financial Services. MarketBeat recorded 5 mentions for Mercantile Bank and 1 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.53 beat Mercantile Bank's score of 0.78 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Mercantile Bank Positive
Franklin Financial Services Very Positive

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$260.81M3.98$88.75M$5.6810.57
Franklin Financial Services$93.23M3.02$21.23M$5.4911.41

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

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%

Summary

Mercantile Bank beats Franklin Financial Services on 12 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding FRAF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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FRAF vs. The Competition

MetricFranklin Financial ServicesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$281.90M$23.44B$13.76B$13.17B
Dividend Yield2.18%3.11%5.99%14.04%
P/E Ratio11.4125.6224.5725.78
Price / Sales3.029.59509.8693.11
Price / Cash11.7915.3349.5552.89
Price / Book1.601.362.716.30
Net Income$21.23M$2.58B$1.32B$360.35M
7 Day Performance-1.79%-0.61%-0.52%-0.23%
1 Month Performance0.93%-0.34%-1.91%-4.16%
1 Year Performance30.88%21.91%7.75%4.58%

Franklin Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FRAF
Franklin Financial Services
2.2577 of 5 stars
$62.65
+0.6%
$68.00
+8.5%
+30.9%$281.90M$93.23M11.41306
CFFN
Capitol Federal Financial
2.0389 of 5 stars
$8.83
-0.2%
$9.25
+4.8%
+35.8%$1.11B$420.24M13.58678
MCB
Metropolitan Bank
3.3826 of 5 stars
$88.39
-1.0%
$105.00
+18.8%
+17.7%$1.11B$527.15M11.19328
FSBC
Five Star Bancorp
3.5307 of 5 stars
$44.17
-0.4%
$45.20
+2.3%
+33.6%$1.09B$255.47M13.07238
NBN
Northeast Bancorp
2.0229 of 5 stars
$131.86
-0.5%
$143.50
+8.8%
+26.9%$1.09B$385.07M10.37225

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This page (NASDAQ:FRAF) was last updated on 9/27/2026 by MarketBeat.com Staff.
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