Franklin Financial Services (FRAF) Stock Price, News & Analysis

Company Overview

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Key Stats

• Today's Range: $30.20 to $32.28
• 50-Day Range: $27.68 to $33.54
• 52-Week Range: $25.11 to $35.00
• Volume: 15,697 shs
• Average Volume: 5,677 shs
• Market Capitalization: $132.76 million
• P/E Ratio: 9.68
• Dividend Yield: 4.24%
• Price Target: N/A
• Consensus Rating: N/A

Franklin Financial Services Stock Analysis - MarketRank™

Franklin Financial Services scored higher than 63% of companies evaluated by MarketBeat, and ranked 592nd out of 904 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Franklin Financial Services.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Franklin Financial Services is 9.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 134.27.

Price to Earnings Ratio vs. Sector

The P/E ratio of Franklin Financial Services is 9.68, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 35.77.

Price to Book Value per Share Ratio

Franklin Financial Services has a P/B Ratio of 1.00. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.24% of the float of Franklin Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Franklin Financial Services has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Franklin Financial Services has recently decreased by 2.97%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Franklin Financial Services is a leading dividend payer. It pays a dividend yield of 4.00%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Franklin Financial Services does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Franklin Financial Services is 41.03%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.24% of the float of Franklin Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Franklin Financial Services has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Franklin Financial Services has recently decreased by 2.97%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.48

News Sentiment

Franklin Financial Services has a news sentiment score of 0.48. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Franklin Financial Services this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Franklin Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $42,898.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 6.93% of the stock of Franklin Financial Services is held by insiders.

Percentage Held by Institutions

Only 24.80% of the stock of Franklin Financial Services is held by institutions.

FRAF Stock Analysis - Frequently Asked Questions

How have FRAF shares performed this year?

Franklin Financial Services' stock was trading at $31.55 on January 1st, 2024. Since then, FRAF shares have decreased by 4.3% and is now trading at $30.20.
View the best growth stocks for 2024 here.

How were Franklin Financial Services' earnings last quarter?

Franklin Financial Services Co. (NASDAQ:FRAF) released its earnings results on Tuesday, July, 23rd. The company reported $0.66 earnings per share (EPS) for the quarter. The business had revenue of $18.56 million for the quarter. Franklin Financial Services had a trailing twelve-month return on equity of 10.60% and a net margin of 12.85%.

Who are Franklin Financial Services' major shareholders?

Top institutional investors of Franklin Financial Services include Dimensional Fund Advisors LP (0.91%), Renaissance Technologies LLC (0.38%) and Northwestern Mutual Wealth Management Co. (0.05%). Insiders that own company stock include Allan E Jennings Jr, Gregory A Duffey, Mark R Hollar, Kimberly Rzomp, Charles Benner Carroll Jr and Karen K Carmack.
View institutional ownership trends.

How do I buy shares of Franklin Financial Services?

Shares of FRAF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

Company Calendar

• Last Earnings: 7/23/2024
• Ex-Dividend for 8/28 Dividend: 8/02/2024
• Dividend Payable: 8/28/2024
• Today: 9/20/2024
• Next Earnings (Estimated): 10/22/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FRAF
• CUSIP: N/A
• CIK: 723646
• Web: www.franklinfin.com
• Phone: (717) 264-6116
• Fax: 717-264-3415
• Employees: 280
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $3.12
• Trailing P/E Ratio: 9.68
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $13.60 million
• Net Margins: 12.85%
• Pretax Margin: 15.31%
• Return on Equity: 10.60%
• Return on Assets: 0.71%

Debt

• Debt-to-Equity Ratio: 2.05
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $70.71 million
• Price / Sales: 1.88
• Cash Flow: $3.89 per share
• Price / Cash Flow: 7.77
• Book Value: $30.30 per share
• Price / Book: 1.00

Miscellaneous

• Outstanding Shares: 4,396,000
• Free Float: 4,091,000
• Market Cap: $132.76 million
• Optionable: Not Optionable
• Beta: 0.32