Franklin Financial Services Corporation (FRAF) Stock

Franklin Financial Services Corporation (FRAF) is a Financials stock trading at $61.74 (as of 2026-08-21), with a market capitalization of $277.83M and a trailing P/E of 21.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Franklin Financial Services Corporation is a bank holding company for Farmers and Merchants Trust Company of Chambersburg, providing commercial and retail banking and trust-related services. It serves small and medium-sized businesses, individuals, government entities, and nonprofits through deposit products, lending for multiple purposes, and investment, trust, custodial, and safe-deposit services.

Understand Franklin Financial Services Corporation: how it makes money

Franklin Financial Services Corporation operates as a bank holding company providing commercial and retail banking, plus trust and wealth services, earning money by taking deposits and making loans and by providing trust and related wealth management services.

Banking returns depend on how well the loan portfolio performs (as shown by nonperforming and nonaccrual loans), and on fee-based trust and wealth activity (as reflected in wealth management assets under management and new assets).

Business quality (Solid): The latest-quarter snapshot includes an operating margin and several operating indicators tied to credit quality and wealth management, but there is no reportable segment revenue breakdown in the provided data.

Valuation: At 12× earnings, FRAF trades 9% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Wealth management platform with measurable growth: Wealth Management Assets Under Management is 1.4 USD_B, and Wealth Management New Assets Under Management Year to Date is 0.11 USD_B.
  • Credit quality indicators are relatively low: Nonperforming Loan Ratio is 0.71 percent, with Nonperforming Loans at 0.01 USD_B and Nonaccrual Loans at 0.01 USD_B.

Bear case

  • Commercial real estate exposure is a large portion of the loan book: Commercial Real Estate Loans are 0.84 USD_B, which can increase sensitivity to downturns in that specific sector.
  • Credit issues are present, even if small: Both Nonperforming Loans and Nonaccrual Loans are 0.01 USD_B, indicating some loans are not performing as expected.
Valuation — source: SEC EDGAR (first-party)
Price$61.74
Market Cap$277.83M
P/E Ratio21.0
EV / EBITDA2.5
Price / Book1.51
Price / Sales4.89
DCF Value (model)$102.89
DCF Upside vs Price66.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$114.37M
Net Margin18.6%
Revenue Growth (YoY)1.2%
EPS Growth (YoY)11.4%
Valuation vs Sector & Industry
Stock P/E21.0
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector38.9%
vs Industry61.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($13.56M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOCraig W. Best
Employees306
CountryUS
IPO Date1994-04-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Isabella Bank Corporation (ISBA)
  • First Western Financial, Inc. (MYFW)
  • Oak Valley Bancorp (OVLY)
  • Princeton Bancorp, Inc. (BPRN)
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FRAF earnings history · FRAF institutional & insider holders · FRAF KPIs & operating metrics · FRAF financials · FRAF investor presentations & press releases · FRAF SEC filings · FRAF peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.