Tearsheet

Franklin Financial Services (FRAF)

Market Price (3/15/2026): $49.28 | Market Cap: $220.5 Mil
Sector: Financials | Industry: Regional Banks

Franklin Financial Services (FRAF)

Market Price (3/15/2026): $49.28
Market Cap: $220.5 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.7%, FCF Yield is 11%	Weak multi-year price returns 3Y Excs Rtn is -2.1%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -26%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
3	Low stock price volatility Vol 12M is 29%
4	Megatrend and thematic drivers Megatrends include Community Banking. Themes include Local Lending & Deposit Services, and Small Business Financing.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.7%, FCF Yield is 11%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -26%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
3	Low stock price volatility Vol 12M is 29%
4	Megatrend and thematic drivers Megatrends include Community Banking. Themes include Local Lending & Deposit Services, and Small Business Financing.
5	Weak multi-year price returns 3Y Excs Rtn is -2.1%

Valuation, Metrics & Events

	3/15/26	2025	2024	2023	2022	2021
Share Price CYE	$49.28	$50.20	$29.90	$31.55	$36.10	$33.09
Market Cap CYE ($ Mil)	220.5	224.6	131.9	137.4	158.9	147.0
Total Debt ($ Mil)	214.8	214.8	264.1	134.6	25.9	24.6
Total Cash ($ Mil)	189.1	189.1	238.1	81.7	222.6	109.6
Enterprise Value ($ Mil)	246.1	439.4	396.0	272.0	184.8	171.6
Valuation Ratios
P/S TTM	2.8	2.8	1.8	2.0	2.5	2.4
P/EBIT TTM	-	-	-	-	-	-
P/E TTM	14.1	14.3	9.4	9.9	10.7	7.2
P/FCF TTM	8.7	8.9	6.2	5.2	20.4	7.2
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	6.9	7.3	8.4	7.2	7.7	6.9
P/E TTM (Sector)	10.8	11.1	11.6	9.8	9.5	10.0
P/FCF TTM (Sector)	8.3	8.7	8.7	7.6	6.4	7.5

	3/15/26	2025	2024
Share Price CYE	$49.28	$50.20	$29.90
Market Cap CYE ($ Mil)	220.5	224.6	131.9
Total Debt ($ Mil)	214.8	214.8	264.1
Total Cash ($ Mil)	189.1	189.1	238.1
Enterprise Value ($ Mil)	246.1	439.4	396.0
Valuation Ratios
P/S TTM	2.8	2.8	1.8
P/EBIT TTM	-	-	-
P/E TTM	14.1	14.3	9.4
P/FCF TTM	8.7	8.9	6.2
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1
P/EBIT TTM (Sector)	6.9	7.3	8.4
P/E TTM (Sector)	10.8	11.1	11.6
P/FCF TTM (Sector)	8.3	8.7	8.7

	FRAF	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	0.1
Rev Chg Q	18.0%	7.3%
Rev Chg LTM	9.7%	6.6%
Rev Chg 3Y Avg	8.0%	5.7%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.0
Net Inc LTM ($ Bil)	0.0
CFO/Rev LTM	33.3%	20.9%
Net Inc Mgn	19.7%	12.8%
VALUATION	LOW
P/S	2.8	3.1
P/CFO	8.3	15.3
P/FCF	8.7	20.0
P/E	14.1	24.2

AI Analysis | Feedback

Metric	Value	Date	Source
Assets Under Management	1.4 billion	9302025	Link
Number of Community Banking Locations	23	7222025	Link
Net Interest Margin	3.32%	9302025	Link
Return on Average Assets	0.93%	9302025	Link
Return on Average Equity	13.39%	9302025	Link
Nonaccrual loans as a percentage of total gross loans	0.68%	9302025	Link

Upcoming
3/13/2026	Earnings Release	Rev: $33 Mil (A) vs. $null (E) EPS: 1.34 (A) vs. $- (E)
4/28/2026	Earnings Release	Rev: $23 Mil (E) EPS: $1.34 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Franklin Financial Services (FRAF) stock has lost about 10% since 11/30/2025 because of the following key factors:

1. Franklin Financial Services reported strong fourth-quarter and full-year 2025 financial results, with net income for Q4 2025 rising to $6.0 million ($1.35 per diluted share), a 12.9% increase from the prior quarter and significantly higher than Q4 2024. Full-year 2025 net income increased 91.2% to $21.2 million ($4.74 per diluted share) compared to 2024.

2. The company demonstrated robust operational growth, with total assets reaching $2.24 billion as of December 31, 2025, a 1.9% increase from year-end 2024. Net loans grew by 11.6% to $1.54 billion, primarily driven by commercial and residential real estate loans, and total deposits increased 1.1% to $1.84 billion.

3. Franklin Financial enhanced shareholder returns through an increased dividend and a new share repurchase program. The board declared a quarterly cash dividend of $0.33 per share for the first quarter of 2026, a 3.1% increase over the first quarter of 2025. Additionally, a new plan was approved in December 2025 to repurchase 150,000 shares through December 31, 2026.

4. Despite strong earnings, the stock's valuation, with a P/E ratio of 13.79, was considered high relative to its near-term earnings growth by InvestingPro analysis, potentially tempering a significant upward movement in the stock price.

Updated on 3/1/2026 Show less

Stock Movement Drivers

3M

6M

1Y

3Y

Fundamental Drivers
The -7.7% change in FRAF stock from 11/30/2025 to 3/14/2026 was primarily driven by a -7.7% change in the company's P/E Multiple.
(LTM values as of) 11302025 3142026 Change
Stock Price ($) 53.14 49.06 -7.7%
Change Contribution By:
Total Revenues ($ Mil) 80 80 0.0%
Net Income Margin (%) 19.7% 19.7% 0.0%
P/E Multiple 15.2 14.0 -7.7%
Shares Outstanding (Mil) 4 4 0.0%
Cumulative Contribution -7.7%

LTM = Last Twelve Months as of date shown

Market Drivers
11/30/2025 to 3/14/2026
Return Correlation
FRAF -7.7%
Market (SPY) -3.1% 18.2%
Sector (XLF) -8.3% 31.3%

Fundamental Drivers
The 6.6% change in FRAF stock from 8/31/2025 to 3/14/2026 was primarily driven by a 4.5% change in the company's Total Revenues ($ Mil).
(LTM values as of) 8312025 3142026 Change
Stock Price ($) 46.04 49.06 6.6%
Change Contribution By:
Total Revenues ($ Mil) 76 80 4.5%
Net Income Margin (%) 19.1% 19.7% 3.1%
P/E Multiple 14.1 14.0 -0.9%
Shares Outstanding (Mil) 4 4 -0.3%
Cumulative Contribution 6.6%

LTM = Last Twelve Months as of date shown
Market Drivers
8/31/2025 to 3/14/2026
Return Correlation
FRAF 6.6%
Market (SPY) 3.0% 25.4%
Sector (XLF) -9.1% 38.5%

Fundamental Drivers
The 34.3% change in FRAF stock from 2/28/2025 to 3/14/2026 was primarily driven by a 22.4% change in the company's P/E Multiple.
(LTM values as of) 2282025 3142026 Change
Stock Price ($) 36.54 49.06 34.3%
Change Contribution By:
Total Revenues ($ Mil) 73 80 9.7%
Net Income Margin (%) 19.4% 19.7% 1.4%
P/E Multiple 11.4 14.0 22.4%
Shares Outstanding (Mil) 4 4 -1.4%
Cumulative Contribution 34.3%

LTM = Last Twelve Months as of date shown
Market Drivers
2/28/2025 to 3/14/2026
Return Correlation
FRAF 34.3%
Market (SPY) 12.4% 31.8%
Sector (XLF) -5.3% 41.6%

Fundamental Drivers
The 67.8% change in FRAF stock from 2/28/2023 to 3/14/2026 was primarily driven by a 61.9% change in the company's P/E Multiple.
(LTM values as of) 2282023 3142026 Change
Stock Price ($) 29.24 49.06 67.8%
Change Contribution By:
Total Revenues ($ Mil) 63 80 25.8%
Net Income Margin (%) 23.5% 19.7% -16.3%
P/E Multiple 8.7 14.0 61.9%
Shares Outstanding (Mil) 4 4 -1.6%
Cumulative Contribution 67.8%

LTM = Last Twelve Months as of date shown
Market Drivers
2/28/2023 to 3/14/2026
Return Correlation
FRAF 67.8%
Market (SPY) 73.4% 21.5%
Sector (XLF) 43.1% 30.1%

(LTM values as of)	11302025	3142026	Change
Stock Price ($)	53.14	49.06	-7.7%
Change Contribution By:
Total Revenues ($ Mil)	80	80	0.0%
Net Income Margin (%)	19.7%	19.7%	0.0%
P/E Multiple	15.2	14.0	-7.7%
Shares Outstanding (Mil)	4	4	0.0%
Cumulative Contribution			-7.7%

	Return	Correlation
FRAF	-7.7%
Market (SPY)	-3.1%	18.2%
Sector (XLF)	-8.3%	31.3%

(LTM values as of)	8312025	3142026	Change
Stock Price ($)	46.04	49.06	6.6%
Change Contribution By:
Total Revenues ($ Mil)	76	80	4.5%
Net Income Margin (%)	19.1%	19.7%	3.1%
P/E Multiple	14.1	14.0	-0.9%
Shares Outstanding (Mil)	4	4	-0.3%
Cumulative Contribution			6.6%

	Return	Correlation
FRAF	6.6%
Market (SPY)	3.0%	25.4%
Sector (XLF)	-9.1%	38.5%

(LTM values as of)	2282025	3142026	Change
Stock Price ($)	36.54	49.06	34.3%
Change Contribution By:
Total Revenues ($ Mil)	73	80	9.7%
Net Income Margin (%)	19.4%	19.7%	1.4%
P/E Multiple	11.4	14.0	22.4%
Shares Outstanding (Mil)	4	4	-1.4%
Cumulative Contribution			34.3%

	Return	Correlation
FRAF	34.3%
Market (SPY)	12.4%	31.8%
Sector (XLF)	-5.3%	41.6%

(LTM values as of)	2282023	3142026	Change
Stock Price ($)	29.24	49.06	67.8%
Change Contribution By:
Total Revenues ($ Mil)	63	80	25.8%
Net Income Margin (%)	23.5%	19.7%	-16.3%
P/E Multiple	8.7	14.0	61.9%
Shares Outstanding (Mil)	4	4	-1.6%
Cumulative Contribution			67.8%

	Return	Correlation
FRAF	67.8%
Market (SPY)	73.4%	21.5%
Sector (XLF)	43.1%	30.1%

Return vs. Risk

Price Returns Compared
2021 2022 2023 2024 2025 2026 Total [1]
Returns
FRAF Return 28% 13% -9% -1% 73% -1% 124%
Peers Return 77% -4% 21% 9% 18% -1% 161%
S&P 500 Return 27% -19% 24% 23% 16% -1% 80%

Monthly Win Rates [3]
FRAF Win Rate 75% 50% 33% 50% 58% 67%
Peers Win Rate 73% 42% 52% 50% 58% 33%
S&P 500 Win Rate 75% 42% 67% 75% 67% 33%

Max Drawdowns [4]
FRAF Max Drawdown -3% -12% -31% -18% -6% -5%
Peers Max Drawdown -1% -22% -34% -14% -17% -3%
S&P 500 Max Drawdown -1% -25% -1% -2% -15% -2%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: FNB, FULT, WSBC, STBA, CUBI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/13/2026 (YTD)

How Low Can It Go

Unique Key Event FRAF S&P 500
2022 Inflation Shock 2022 Inflation Shock
2022 Inflation Shock% Loss % Loss -32.5% -25.4%
2022 Inflation Shock% Gain to Breakeven % Gain to Breakeven 48.2% 34.1%
2022 Inflation ShockTime to Breakeven Time to Breakeven 643 days 464 days
2020 Covid Pandemic 2020 Covid Pandemic
2020 Covid Pandemic% Loss % Loss -45.7% -33.9%
2020 Covid Pandemic% Gain to Breakeven % Gain to Breakeven 84.1% 51.3%
2020 Covid PandemicTime to Breakeven Time to Breakeven 1,671 days 148 days
2018 Correction 2018 Correction
2018 Correction% Loss % Loss -20.4% -19.8%
2018 Correction% Gain to Breakeven % Gain to Breakeven 25.6% 24.7%
2018 CorrectionTime to Breakeven Time to Breakeven 2,055 days 120 days
2008 Global Financial Crisis 2008 Global Financial Crisis
2008 Global Financial Crisis% Loss % Loss -48.5% -56.8%
2008 Global Financial Crisis% Gain to Breakeven % Gain to Breakeven 94.3% 131.3%
2008 Global Financial CrisisTime to Breakeven Time to Breakeven 3,299 days 1,480 days

Compare to FNB, FULT, WSBC, STBA, CUBI

In The Past
Franklin Financial Services's stock fell -32.5% during the 2022 Inflation Shock from a high on 12/30/2022. A -32.5% loss requires a 48.2% gain to breakeven.

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About Franklin Financial Services (FRAF)

Business Description

Analogies

Products

Customers

Suppliers

Management

Key Risks

Emerging Threats

Market Size

Revenue Drivers

Capital Allocation

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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 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.

AI Analysis | Feedback
It's like a community-focused version of a regional bank such as Truist or M&T Bank, but serving a much more concentrated area in Pennsylvania.

Think of it as a traditional, full-service community bank for specific counties in Pennsylvania, similar to how a much larger institution like Wells Fargo operates, but on a hyper-local scale.

AI Analysis | Feedback

Deposit Accounts: Offers various checking, savings, money management, and time deposit accounts for individuals and businesses.

Loan Services: Provides a comprehensive range of commercial, residential mortgage, agricultural, and consumer installment and revolving loans.

Trust and Wealth Management: Manages estates, corporate and personal trusts, pension and employee benefit funds, and offers custodial services.

Investment Products: Sells mutual funds, annuities, and insurance products to clients.

Venture Capital Investments: Makes venture capital investments through its non-bank subsidiary, Franklin Future Fund Inc.

AI Analysis | Feedback
Franklin Financial Services (FRAF) serves a diverse customer base, primarily providing commercial, retail banking, and trust services. Given the nature of its business as a community bank and financial services provider, it does not have a few major customer companies in the traditional sense. Instead, its services are offered to a broad range of clients, which can be categorized as follows:

Small and Medium-Sized Businesses: The company provides a comprehensive suite of commercial banking services, including commercial real estate, construction and land development, agricultural, and commercial and industrial loans. It also offers deposit products, accounts receivable and inventory financing, and commercial equipment financing.

Individuals (Consumers): FRAF offers retail banking products such as checking, savings, money management, and time deposit accounts. Additionally, it provides residential mortgage loans, installment and revolving consumer loans, estate planning and administration, personal trust fund management, and sells mutual funds, annuities, and insurance products.

Governmental and Non-Profit Organizations: The company caters to these entities by providing banking, trust, and investment services tailored to their specific operational and financial management needs, including corporate trust fund management, pension and profit sharing, and other employee benefit funds management services.

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The emergence and rapid growth of digital-first fintech companies and challenger banks that offer banking services with superior digital convenience, lower overhead, and often better user experiences. These entities directly compete with traditional branch-based community banks like Franklin Financial Services for deposits, payments, and lending, threatening to erode their customer base, particularly among individuals and small businesses prioritizing digital interactions and convenience.

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Interactive Breakdown
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Latest Trefis Analyses

Title Date
0 DASHBOARDS
1 Franklin Financial Services Stock Fell 8.5% in a Month, What Now? 10/17/2025
Title
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Trade Ideas
Select ideas related to FRAF.
Unique Key Date Ticker Company Category Trade Strategy 6M Fwd Rtn 12M Fwd Rtn 12M Max DD
NDAQ_2282026_Insider_Buying_45D_2Buy_200K 02282026 NDAQ Nasdaq Insider Insider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days 0.0% 0.0% 0.0%
JEF_2272026_Dip_Buyer_ValueBuy 02272026 JEF Jefferies Financial Dip Buy DB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin 0.0% 0.0% 0.0%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE 02272026 PAYO Payoneer Global Dip Buy DB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap 0.0% 0.0% 0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG 02272026 FOUR Shift4 Payments Dip Buy DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow Yield
Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap 0.0% 0.0% 0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE 02202026 COIN Coinbase Global Dip Buy DB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap 2.6% 2.6% -6.5%

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Financials
FRAF FNB FULT WSBC STBA CUBI Median
Name Franklin. F N B Fulton F. Wesbanco S&T Banc. Customer.
Mkt Price 49.06 15.84 19.65 33.33 40.20 64.72 36.77
Mkt Cap 0.2 5.7 3.5 3.2 1.5 2.2 2.7
Rev LTM 80 1,765 1,313 974 402 801 888
Op Inc LTM - - - - - - -
FCF LTM 25 376 284 277 129 334 281
FCF 3Y Avg 24 405 329 208 155 166 187
CFO LTM 26 482 304 290 134 495 297
CFO 3Y Avg 26 516 361 224 160 255 239

Growth & Margins
FRAF FNB FULT WSBC STBA CUBI Median
Name Franklin. F N B Fulton F. Wesbanco S&T Banc. Customer.
Rev Chg LTM 9.7% 10.6% 11.4% 62.3% 4.7% 16.6% 11.0%
Rev Chg 3Y Avg 8.0% 7.0% 9.2% 21.6% 2.6% 8.8% 8.4%
Rev Chg Q 18.0% 22.8% 4.4% 62.6% 11.6% 53.8% 20.4%
QoQ Delta Rev Chg LTM 4.5% 5.1% 1.1% 11.6% 2.8% 11.3% 4.8%
Op Mgn LTM - - - - - - -
Op Mgn 3Y Avg - - - - - - -
QoQ Delta Op Mgn LTM - - - - - - -
CFO/Rev LTM 33.3% 27.3% 23.2% 29.8% 33.2% 61.7% 31.5%
CFO/Rev 3Y Avg 35.8% 31.5% 30.7% 31.1% 40.2% 33.2% 32.4%
FCF/Rev LTM 31.7% 21.3% 21.7% 28.5% 32.0% 41.6% 30.1%
FCF/Rev 3Y Avg 33.4% 24.7% 27.9% 28.8% 39.1% 21.5% 28.4%

Valuation
FRAF FNB FULT WSBC STBA CUBI Median
Name Franklin. F N B Fulton F. Wesbanco S&T Banc. Customer.
Mkt Cap 0.2 5.7 3.5 3.2 1.5 2.2 2.7
P/S 2.8 3.2 2.7 3.2 3.8 2.8 3.0
P/EBIT - - - - - - -
P/E 14.0 10.1 9.1 14.2 11.3 9.9 10.7
P/CFO 8.3 11.8 11.6 10.9 11.4 4.5 11.1
Total Yield 9.8% 13.0% 11.0% 11.0% 12.3% 10.1% 11.0%
Dividend Yield 2.6% 3.1% 0.0% 4.0% 3.5% 0.0% 2.8%
FCF Yield 3Y Avg 15.5% 7.4% 10.3% 8.6% 11.1% 7.7% 9.5%
D/E 1.0 0.5 0.2 0.5 0.2 0.8 0.5
Net D/E -0.3 -0.5 -0.8 0.1 -0.6 -2.1 -0.5

Returns
FRAF FNB FULT WSBC STBA CUBI Median
Name Franklin. F N B Fulton F. Wesbanco S&T Banc. Customer.
1M Rtn -1.1% -10.9% -10.4% -8.0% -7.3% -9.7% -8.9%
3M Rtn -10.7% -8.9% -0.2% -3.6% -3.9% -11.3% -6.4%
6M Rtn 5.0% -2.1% 3.2% 7.8% 4.8% -4.6% 4.0%
12M Rtn 42.1% 21.3% 13.4% 9.9% 8.5% 27.4% 17.3%
3Y Rtn 77.2% 45.6% 50.2% 20.5% 37.3% 223.0% 47.9%
1M Excs Rtn 3.5% -11.1% -9.0% -6.2% -6.0% -6.4% -6.3%
3M Excs Rtn -7.0% -7.6% 1.6% -0.1% -1.7% -8.1% -4.4%
6M Excs Rtn 1.7% -5.1% 0.7% 4.1% 1.0% -7.9% 0.8%
12M Excs Rtn 20.6% 2.1% -5.2% -8.4% -9.5% 8.9% -1.5%
3Y Excs Rtn -2.1% -40.4% -33.4% -57.6% -44.6% 54.3% -36.9%

Comparison Analyses
null

FDIC Bank Data

Capital & Deposits
Assets
Loans

Bank Capital
null
Bank Deposits
null

Bank Assets
null

Bank Loans
null

FDA Approved Drugs Data
Expand for Morenull Collapse to Previewnull

Financials

Annual
Quarterly

$ Mil | FY: 12/31 LTM 2024 2023 2022 2021 2020 2019
Period End 9/30/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Filing Date 11/10/2025 3/14/2025 3/11/2024 3/10/2023 3/10/2022 3/11/2021 3/13/2020
Key Financials
Total Revenue 80 70 67 65 61 56 56
Net Income 16 11 14 15 20 13 16
EPS 3.51 2.52 3.11 3.38 4.44 2.94 3.68
Growth Rates
Total Revenue Growth 9.7% 3.9% 2.8% 7.1% 9.2% 0.1% 7.0%
Net Income Growth 11.3% -18.4% -9.0% -23.8% 53.2% -20.6% 163.1%
Margins
Net Income Margin 19.7% 15.9% 20.2% 22.8% 32.1% 22.9% 28.8%
Cash & Debt
Total Cash 272 524 502 566 715 467 280
Total Debt 215 224 154 26 24 25 5
Net Debt / (Cash) -57 -300 -347 -540 -691 -442 -275
Cash Flows
Net Cash from Operations 26 22 27 25 26 6 19
Free Cash from Operations 25 19 26 13 18 6 17
Returns to Shareholders
Dividends 6 6 6 6 6 5 5
Share Repurchases 1 1 2 3 1 1 4
$ Mil | FY: 12/31 2025Q3 2025Q2 2025Q1 2024Q4 2024Q3 2024Q2 2024Q1 2023Q4 2023Q3 2023Q2 2023Q1 2022Q4
Period End 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022
Filing Date 11/10/2025 8/14/2025 5/15/2025 3/14/2025 11/14/2024 8/9/2024 5/8/2024 3/11/2024 11/14/2023 8/10/2023 5/12/2023 3/10/2023
Key Financials Quarterly
Total Revenue 23 22 20 15 19 18 17 18 17 16 16 18
Net Income 5 6 4 0 4 3 3 3 4 3 3 4
EPS 1.20 1.32 0.88 0.11 0.96 0.67 0.77 0.80 0.89 0.68 0.75 0.85
Key Financials TTM
Total Revenue TTM 80 76 72 70 73 71 69 67 67 67 67 65
Net Income TTM 16 15 12 11 14 14 14 14 14 15 15 15
Growth Rates Quarterly
Total Revenue Growth 18.0% 20.7% 13.8% -14.8% 10.3% 11.0% 10.5% -1.0% 0.2% 3.6% 9.9% 14.0%
Net Income Growth 26.9% 94.8% 16.7% -86.0% 9.3% 1.9% 2.1% -6.6% -16.7% -16.8% 9.3% 1.8%
Margins Quarterly
Net Income Margin 23.6% 26.9% 19.8% 3.2% 22.0% 16.6% 19.3% 19.6% 22.2% 18.1% 20.9% 20.8%
Cash & Debt
Total Cash 272 329 531 524 705 636 650 502 540 513 554 566
Total Debt 215 224 224 224 264 304 304 154 135 95 76 26
Net Debt / (Cash) -57 -105 -307 -300 -440 -332 -345 -347 -405 -419 -478 -540
Cash Flows Quarterly
FCF from Operations 8 5 9 4 8 2 7 6 7 6 8 7
Cash Flows TTM
FCF from Operations TTM 26 26 23 22 23 23 26 27 28 29 29 25
Returns to Shareholders Quarterly
Dividends 1 1 1 1 1 1 1 1 1 1 1 1
Share Repurchases 0 0 0 0 0 0 0 -0 -0 2 0 1
Return on Invested Capital (ROIC) Quarterly
ROIC - - - - - - - - - - - -
Return on Invested Capital (ROIC) TTM
ROIC TTM - - - - - - - - - - - -

Segment Financials
Revenue by Segment
$ Mil 2024 2023 2022 2021 2020
Single Segment 65 61 56 57
Total 65 61 56 57

Assets by Segment
$ Mil 2024 2023 2022 2021 2020
Community Banking 1,834
Wealth 1
Total 1,836

Price Behavior

Behavior Stats
Betas Matrix
Behavior vs Other Asset Classes

Price Behavior
Market Price $49.06
Market Cap ($ Bil) 0.2
First Trading Date 02/23/2007
Distance from 52W High -12.6%
50 Days 200 Days
DMA Price $50.32 $45.54
DMA Trend up down
Distance from DMA -2.5% 7.8%
3M 1YR
Volatility 38.2% 28.7%
Downside Capture 21.67 20.09
Upside Capture -47.25 53.04
Correlation (SPY) 16.2% 31.9%

FRAF Betas & Captures as of 2/28/2026

1M 2M 3M 6M 1Y 3Y
Beta 0.81 1.00 0.68 0.69 0.47 0.37
Up Beta 0.66 2.60 2.23 1.92 0.60 0.47
Down Beta 0.38 2.24 1.48 1.00 0.47 0.41
Up Capture 146% 8% -20% 32% 37% 12%
Bmk +ve Days 9 20 31 70 142 431
Stock +ve Days 13 24 32 66 121 352
Down Capture 50% -21% -1% 8% 24% 40%
Bmk -ve Days 12 21 30 54 109 320
Stock -ve Days 8 17 29 56 125 355

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y

5Y

10Y

Based On 1-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with FRAF
FRAF 41.8% 28.6% 1.21 -
Sector ETF (XLF) 3.6% 19.3% 0.06 41.8%
Equity (SPY) 19.6% 18.9% 0.81 32.0%
Gold (GLD) 71.9% 26.3% 2.05 -2.2%
Commodities (DBC) 19.3% 17.3% 0.89 7.9%
Real Estate (VNQ) 6.2% 16.3% 0.19 37.1%
Bitcoin (BTCUSD) -15.3% 44.2% -0.25 20.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with FRAF
FRAF 11.0% 24.5% 0.43 -
Sector ETF (XLF) 9.3% 18.7% 0.38 20.9%
Equity (SPY) 13.1% 17.0% 0.61 14.8%
Gold (GLD) 24.1% 17.3% 1.14 -1.5%
Commodities (DBC) 11.2% 19.0% 0.47 3.0%
Real Estate (VNQ) 4.8% 18.8% 0.16 13.5%
Bitcoin (BTCUSD) 6.3% 56.7% 0.33 8.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with FRAF
FRAF 5.0% 34.0% 0.30 -
Sector ETF (XLF) 12.5% 22.2% 0.52 42.8%
Equity (SPY) 14.5% 17.9% 0.70 34.9%
Gold (GLD) 14.4% 15.6% 0.77 -2.2%
Commodities (DBC) 8.6% 17.6% 0.40 17.5%
Real Estate (VNQ) 5.6% 20.7% 0.23 37.3%
Bitcoin (BTCUSD) 67.4% 66.8% 1.07 11.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest
Short Interest: As Of Date 2272026
Short Interest: Shares Quantity 0.1 Mil
Short Interest: % Change Since 2152026 4.9%
Average Daily Volume 0.0 Mil
Days-to-Cover Short Interest 4.0 days
Basic Shares Quantity 4.5 Mil
Short % of Basic Shares 1.7%

Returns Analyses
Title
0 Franklin Financial Services Stock Fell 8.5% in a Month, What Now?

Earnings Returns History
Expand for More
Forward Returns
Earnings Date 1D Returns 5D Returns 21D Returns
1/27/2026 2.1% 4.6% 7.8%
10/28/2025 -1.8% -2.0% 16.6%
7/22/2025 2.7% -1.3% 3.1%
4/29/2025 -0.7% -0.8% -0.7%
1/28/2025 2.1% 4.8% 14.4%
10/22/2024 1.0% 10.7% 14.7%
7/23/2024 0.7% 3.8% -1.0%
4/23/2024 -2.1% -0.5% -12.5%
...
SUMMARY STATS
# Positive 12 13 12
# Negative 12 11 12
Median Positive 1.6% 1.8% 5.5%
Median Negative -1.4% -1.8% -2.0%
Max Positive 4.5% 11.3% 24.0%
Max Negative -2.8% -5.8% -20.0%

SEC Filings
Expand for More
Report Date Filing Date Filing
09/30/2025 11/10/2025 10-Q
06/30/2025 08/14/2025 10-Q
03/31/2025 05/15/2025 10-Q
12/31/2024 03/14/2025 10-K
09/30/2024 11/14/2024 10-Q
06/30/2024 08/09/2024 10-Q
03/31/2024 05/08/2024 10-Q
12/31/2023 03/11/2024 10-K
09/30/2023 11/14/2023 10-Q
06/30/2023 08/10/2023 10-Q
03/31/2023 05/12/2023 10-Q
12/31/2022 03/10/2023 10-K
09/30/2022 11/04/2022 10-Q
06/30/2022 08/05/2022 10-Q
03/31/2022 05/13/2022 10-Q
12/31/2021 03/10/2022 10-K

Insider Activity
Expand for More
# Owner Title Holding Action Filing Date Price Shares Transacted
Value Value of
Held Shares Form
1 Rzomp, Kimberly Direct Sell 12232025 54.07 1,500 81,105 315,877 Form
2 Duffey, Gregory A Direct Buy 11282025 53.91 19 1,024 1,281,441 Form
3 Duffey, Gregory A Direct Buy 8292025 46.55 21 978 1,097,649 Form
4 Ehrig, Scott D SVP, Chief Wealth Officer Direct Sell 8292025 46.83 1,060 49,640 90,944 Form
5 Carroll, Charles Benner Jr EVP, COO Direct Sell 8292025 46.55 650 30,257 162,832 Form

FRAF Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE
null

null

INVESTMENT THESIS
null
null

Mechanism: null

Supporting Evidence:

PRIMARY RISK
null
null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI Threshold Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline Event & Metric To Watch

Key Events in Last 6 Months

Date Event Stock Impact

Risk Management

Position Sizing

null

null

null

Diversification Alternatives

How Is The Market Pricing FRAF?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What FRAF Makes & Who Pays

TTM figures based on

FRAF Evolution: Price Return by Era

① Structure

0

② Volume / Momentum

0

③ Catalyst

0

Combined Score

0 / 12

1 Price Structure & Trend · ▾

▲

Current $

20D SMA $ Below

50D SMA $ Slope: % Below

200D SMA $ Slope: % Below

✕ — trading days ago

52W High

$

From 52W High

%

All-Time High

$

From ATH

%

52W Low

$

From 52W Low

%

2 Momentum ▾

↑

5D

%

20D

%

63D

%

126D

%

252D

%

3 Relative Strength vs. SPY ▾

↑

20D
%

63D
%

126D
%

252D
%

RS Trend

%

RS Character

4 Institutional Footprint & Volume ▾

↓

◈

Score

Up/Down Vol 20D

Up/Down Vol 60D

OBV Slope 20D

OBV Slope 60D

Hi-Conv Up Days

Past 60D

Hi-Conv Down Days

Past 60D

Volume Trend

20D avg vs 60D avg

5 Volatility ▾

≈

HV 20D

%

HV 60D

%

HV 252D

%

Compression Ratio

ATR 14D

%

6 Key Price Levels Range · Vol ▾

◈

Nearest Resistance

$

% away · touches

Nearest Support

$

% away · touches

2nd Support

$

touches

Risk / Reward

×

Approach Volume

Current Price

$

7 Earnings Reaction History ▾

★

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

8 How the Verdict Is Derived Three Pillars ▾

Pillar Score

① Structure 0

② Vol / Mom 0

③ Catalyst 0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Price Intelligence is derived from price-volume pattern analysis only. All moving averages are simple (SMA). Relative strength benchmarked against SPY.

Industry Resources
Financials Resources
Federal Reserve Economic Data
Federal Reserve
FDIC Data
American Banker
The Banker
Banking Technology

External Quote Links
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6 YCharts Perplexity Finance
7 FinViz

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	2021	2022	2023	2024	2025	2026	Total [1]
Returns
FRAF Return	28%	13%	-9%	-1%	73%	-1%	124%
Peers Return	77%	-4%	21%	9%	18%	-1%	161%
S&P 500 Return	27%	-19%	24%	23%	16%	-1%	80%
Monthly Win Rates [3]
FRAF Win Rate	75%	50%	33%	50%	58%	67%
Peers Win Rate	73%	42%	52%	50%	58%	33%
S&P 500 Win Rate	75%	42%	67%	75%	67%	33%
Max Drawdowns [4]
FRAF Max Drawdown	-3%	-12%	-31%	-18%	-6%	-5%
Peers Max Drawdown	-1%	-22%	-34%	-14%	-17%	-3%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-2%

Unique Key	Event	FRAF	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-32.5%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	48.2%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	643 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-45.7%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	84.1%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	1,671 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-20.4%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	25.6%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	2,055 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-48.5%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	94.3%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	3,299 days	1,480 days

	Title	Date
0	DASHBOARDS
1	Franklin Financial Services Stock Fell 8.5% in a Month, What Now?	10/17/2025

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
NDAQ_2282026_Insider_Buying_45D_2Buy_200K	02282026	NDAQ	Nasdaq	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
JEF_2272026_Dip_Buyer_ValueBuy	02272026	JEF	Jefferies Financial	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	0.0%	0.0%	0.0%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02272026	PAYO	Payoneer Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	0.0%	0.0%	0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG	02272026	FOUR	Shift4 Payments	Dip Buy	DB \| FCF Yield \| Low D/EDip Buy with High Free Cash Flow Yield Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap	0.0%	0.0%	0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02202026	COIN	Coinbase Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	2.6%	2.6%	-6.5%

	FRAF	FNB	FULT	WSBC	STBA	CUBI	Median
Name	Franklin.	F N B	Fulton F.	Wesbanco	S&T Banc.	Customer.
Mkt Price	49.06	15.84	19.65	33.33	40.20	64.72	36.77
Mkt Cap	0.2	5.7	3.5	3.2	1.5	2.2	2.7
Rev LTM	80	1,765	1,313	974	402	801	888
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	25	376	284	277	129	334	281
FCF 3Y Avg	24	405	329	208	155	166	187
CFO LTM	26	482	304	290	134	495	297
CFO 3Y Avg	26	516	361	224	160	255	239

Market Price	$49.06
Market Cap ($ Bil)	0.2
First Trading Date	02/23/2007
Distance from 52W High	-12.6%
	50 Days	200 Days
DMA Price	$50.32	$45.54
DMA Trend	up	down
Distance from DMA	-2.5%	7.8%
	3M	1YR
Volatility	38.2%	28.7%
Downside Capture	21.67	20.09
Upside Capture	-47.25	53.04
Correlation (SPY)	16.2%	31.9%

	1M	2M	3M	6M	1Y	3Y
Beta	0.81	1.00	0.68	0.69	0.47	0.37
Up Beta	0.66	2.60	2.23	1.92	0.60	0.47
Down Beta	0.38	2.24	1.48	1.00	0.47	0.41
Up Capture	146%	8%	-20%	32%	37%	12%
Bmk +ve Days	9	20	31	70	142	431
Stock +ve Days	13	24	32	66	121	352
Down Capture	50%	-21%	-1%	8%	24%	40%
Bmk -ve Days	12	21	30	54	109	320
Stock -ve Days	8	17	29	56	125	355

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with FRAF
FRAF	41.8%	28.6%	1.21	-
Sector ETF (XLF)	3.6%	19.3%	0.06	41.8%
Equity (SPY)	19.6%	18.9%	0.81	32.0%
Gold (GLD)	71.9%	26.3%	2.05	-2.2%
Commodities (DBC)	19.3%	17.3%	0.89	7.9%
Real Estate (VNQ)	6.2%	16.3%	0.19	37.1%
Bitcoin (BTCUSD)	-15.3%	44.2%	-0.25	20.5%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with FRAF
FRAF	11.0%	24.5%	0.43	-
Sector ETF (XLF)	9.3%	18.7%	0.38	20.9%
Equity (SPY)	13.1%	17.0%	0.61	14.8%
Gold (GLD)	24.1%	17.3%	1.14	-1.5%
Commodities (DBC)	11.2%	19.0%	0.47	3.0%
Real Estate (VNQ)	4.8%	18.8%	0.16	13.5%
Bitcoin (BTCUSD)	6.3%	56.7%	0.33	8.2%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with FRAF
FRAF	5.0%	34.0%	0.30	-
Sector ETF (XLF)	12.5%	22.2%	0.52	42.8%
Equity (SPY)	14.5%	17.9%	0.70	34.9%
Gold (GLD)	14.4%	15.6%	0.77	-2.2%
Commodities (DBC)	8.6%	17.6%	0.40	17.5%
Real Estate (VNQ)	5.6%	20.7%	0.23	37.3%
Bitcoin (BTCUSD)	67.4%	66.8%	1.07	11.7%

Short Interest: As Of Date	2272026
Short Interest: Shares Quantity	0.1 Mil
Short Interest: % Change Since 2152026	4.9%
Average Daily Volume	0.0 Mil
Days-to-Cover Short Interest	4.0 days
Basic Shares Quantity	4.5 Mil
Short % of Basic Shares	1.7%

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
1/27/2026	2.1%	4.6%	7.8%
10/28/2025	-1.8%	-2.0%	16.6%
7/22/2025	2.7%	-1.3%	3.1%
4/29/2025	-0.7%	-0.8%	-0.7%
1/28/2025	2.1%	4.8%	14.4%
10/22/2024	1.0%	10.7%	14.7%
7/23/2024	0.7%	3.8%	-1.0%
4/23/2024	-2.1%	-0.5%	-12.5%
...
SUMMARY STATS
# Positive	12	13	12
# Negative	12	11	12
Median Positive	1.6%	1.8%	5.5%
Median Negative	-1.4%	-1.8%	-2.0%
Max Positive	4.5%	11.3%	24.0%
Max Negative	-2.8%	-5.8%	-20.0%

Report Date	Filing Date	Filing
09/30/2025	11/10/2025	10-Q
06/30/2025	08/14/2025	10-Q
03/31/2025	05/15/2025	10-Q
12/31/2024	03/14/2025	10-K
09/30/2024	11/14/2024	10-Q
06/30/2024	08/09/2024	10-Q
03/31/2024	05/08/2024	10-Q
12/31/2023	03/11/2024	10-K
09/30/2023	11/14/2023	10-Q
06/30/2023	08/10/2023	10-Q
03/31/2023	05/12/2023	10-Q
12/31/2022	03/10/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	08/05/2022	10-Q
03/31/2022	05/13/2022	10-Q
12/31/2021	03/10/2022	10-K

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Rzomp, Kimberly		Direct	Sell	12232025	54.07	1,500	81,105	315,877	Form
2	Duffey, Gregory A		Direct	Buy	11282025	53.91	19	1,024	1,281,441	Form
3	Duffey, Gregory A		Direct	Buy	8292025	46.55	21	978	1,097,649	Form
4	Ehrig, Scott D	SVP, Chief Wealth Officer	Direct	Sell	8292025	46.83	1,060	49,640	90,944	Form
5	Carroll, Charles Benner Jr	EVP, COO	Direct	Sell	8292025	46.55	650	30,257	162,832	Form

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Franklin Financial Services (FRAF)

Market Price (3/15/2026): $49.28 | Market Cap: $220.5 MilSector: Financials | Industry: Regional Banks

Franklin Financial Services (FRAF)

Market Price (3/15/2026): $49.28Market Cap: $220.5 MilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

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Market Price (3/15/2026): $49.28 | Market Cap: $220.5 Mil
Sector: Financials | Industry: Regional Banks

Market Price (3/15/2026): $49.28
Market Cap: $220.5 Mil
Sector: Financials
Industry: Regional Banks