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6Material company update
May 1, 2026·SEC
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Apr 29, 2026·SEC
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Apr 23, 2026·SEC
Franklin Financial Services Corporation(FRAF)Earnings, Financials & Key Ratios
FRAF•NASDAQ•Banking & Credit
$61.72
13.0× P/E·Price updated Jul 7, 2026
AboutFranklin 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 small and medium-sized 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, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; 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, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.Show more
- Net Interest Income$70M+22.6%
- Total Revenue$134M+17.3%
- Net Income$21M+91.2%
- Return on Equity13.27%+65.5%
- Net Interest Margin3.11%+20.3%
- Efficiency Ratio44.67%-6.9%
- ROA0.96%+73.9%
- Equity / Assets7.83%+18.9%
- Book Value per Share38.96+18.8%
FRAF Price & Volume
Franklin Financial Services Corporation (FRAF) stock price & volume — 10-year historical chart
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Steady Interest Income Growth Offsets Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Robust
Primary Risk:Localized geographic concentration risk
Key Thesis Takeaways
- Franklin Financial Services Corporation demonstrates a resilient growth trajectory, evidenced by net interest income rising from $13.5 million in 2024Q1 to $18.5 million in 2026Q1.
- While the bank maintains a fortress-like balance sheet with an equity-to-assets ratio of 8%, investors should monitor the persistent 0.8% net interest margin and geographic concentration risks in South Central Pennsylvania.
- The firm's disciplined capital allocation, including consistent $1.5 million quarterly dividends, supports a stable outlook despite potential volatility in credit provisioning.
Verdict Logic
while the bank shows consistent earnings growth with a 68.2% EPS increase in 2026Q1, the current 1.62 P/B ratio and stagnant 0.8% NIM suggest limited near-term valuation upside.
FRAF Growth Metrics
Franklin Financial Services Corporation (FRAF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.14%
5 Years17.38%
3 Years23.87%
TTM-
Profit CAGR
10 Years7.6%
5 Years10.64%
3 Years12.42%
TTM105.33%
EPS CAGR
10 Years7.04%
5 Years10.1%
3 Years12.15%
TTM105.38%
Return on Capital
10 Years8.34%
5 Years8.86%
3 Years7.16%
Last Year6.69%
FRAF Recent Earnings
Franklin Financial Services Corporation (FRAF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 1/12 qtrs (100%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.48+10.4%
$1.34
Rev
$24M+3.5%
$23M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.34
—
Rev
$34M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$1.35
—
Rev
$24M
—
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$1.19
—
Rev
$34M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.48vs $1.34+10.4% | $24Mvs $23M+3.5% |
| Q2 2026 | Mar 13, 2026 | $1.34 | $34M |
| Q1 2026 | Jan 27, 2026 | $1.35 | $24M |
| Q4 2025 | Oct 28, 2025 | $1.19 | $34M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Franklin Financial Services Corporation (FRAF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $61.72 | $277.31M | 13.02 | 17.32% | 15.89% | 13.27% | 2.11% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $67.05 | $671.23M | 11.40 | 22.26% | 20.68% | 11.5% | — |
Compare FRAF vs Peers
Franklin Financial Services Corporation (FRAF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FRAF SEC Filings & Documents
Franklin Financial Services Corporation (FRAF) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FRAF Frequently Asked Questions
Franklin Financial Services Corporation (FRAF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Franklin Financial Services Corporation growing?
Franklin Financial Services Corporation (FRAF) grew revenue by 17.3% over the past year. This is strong growth.
Is FRAF profitable?
Yes, Franklin Financial Services Corporation (FRAF) is profitable, generating $23.9M in net income for fiscal year 2025 (15.9% net margin).
Dividend & Returns
Does FRAF pay dividends?
Yes, Franklin Financial Services Corporation (FRAF) pays a dividend with a yield of 2.11%. This makes it attractive for income-focused investors.
What is FRAF's return on equity?
Franklin Financial Services Corporation (FRAF) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.
Industry Metrics
What is Franklin Financial Services Corporation's net interest margin?
Franklin Financial Services Corporation (FRAF) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Franklin Financial Services Corporation's efficiency ratio?
Franklin Financial Services Corporation (FRAF) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.