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    Franklin Financial Services (FRAF)

    Market Price (8/9/2026): $62.185 | Market Cap: $278.2 MilSector: Financials | Industry: Regional Banks

    Franklin Financial Services (FRAF)

    Market Price (8/9/2026): $62.185
    Market Cap: $278.2 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 11%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.4%, FCF Yield is 14%

    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 -32%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 45%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44%

    Low stock price volatility
    Vol 12M is 30%

    Megatrend and thematic drivers
    Megatrends include Community Banking. Themes include Local Lending & Deposit Services, and Small Business Financing.

    Trading close to highs
    Dist 52W High is -2.2%, Dist 3Y High is -2.2%

    Key risks
    FRAF key risks include [1] an increased cost of deposits resulting from its sensitivity to interest rate movements and [2] higher provisions for credit losses attributed to growth in its loan portfolio.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.4%, FCF Yield is 14%
    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 -32%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 26%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 45%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44%
    4 Low stock price volatility
    Vol 12M is 30%
    5 Megatrend and thematic drivers
    Megatrends include Community Banking. Themes include Local Lending & Deposit Services, and Small Business Financing.
    6 Trading close to highs
    Dist 52W High is -2.2%, Dist 3Y High is -2.2%
    7 Key risks
    FRAF key risks include [1] an increased cost of deposits resulting from its sensitivity to interest rate movements and [2] higher provisions for credit losses attributed to growth in its loan portfolio.

    FRAF in ETFs

    Weight = FRAF's share of each fund

    IWN0.02%
    AVUV0.02%
    VTWO0.01%
    DFAC0.00%

    Valuation & Metrics

    FYE: 12/31FRAF [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$91.1 Mil—
    FY 2026 Sales$98.8 Mil—
    FY 2027 Sales$105.3 Mil—
    FY 2026 Sales Growth8.4%—
    FY 2027 Sales Growth6.6%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$23.9 Mil—
    FY 2026 Net Income (Non-GAAP)$26.1 Mil—
    FY 2027 Net Income (Non-GAAP)$29.6 Mil—
    FY 2027 Net Income Growth13.8%18.8%
    FY 2026 EPS (Non-GAAP)$5.79—
    FY 2027 EPS (Non-GAAP)$6.59—
    FY 2027 EPS Growth13.8%—
    VALUATION
    FY 2026 P/S2.81.8
    FY 2027 P/S2.6—
    FY 2026 P/E10.78.4
    FY 2027 P/E9.4—

    [1] FRAF forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    FRAFS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q18.5%9.4%
    Rev Chg LTM26.0%8.1%
    Rev Chg 3Y Avg11.4%5.9%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM44.7%21.9%
    Net Inc Mgn26.3%13.1%
    VALUATIONLOW
    P/S3.13.3
    P/CFO6.815.9
    P/FCF7.020.3
    P/E11.623.7

    AI Analysis | Feedback

    MetricValueDateSource
    Assets Under Management1.4 billion9302025Link
    Number of Community Banking Locations237222025Link
    Net Interest Margin3.32%9302025Link
    Return on Average Assets0.93%9302025Link
    Return on Average Equity13.39%9302025Link
    Nonaccrual loans as a percentage of total gross loans0.68%9302025Link

    Price Chart

    Recent
    7/24/2026Earnings ReleaseRev: $24 Mil (A) vs. $24 Mil (E)
    EPS: 1.47 (A) vs. $1.44 (E)
    Upcoming
    8/07/2026DividendAmount: $0.34
    Payment On: 8/26/2026
    10/27/2026Earnings ReleaseRev: $24 Mil (E)
    EPS: $1.45 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    Franklin Financial Services (FRAF) stock has gained about 10% since 4/30/2026 because of the following key factors:

    1. Franklin Financial Services Corporation reported stronger than anticipated financial results for fiscal Q2 2026, which ended on June 30, 2026. The company posted diluted earnings per share (EPS) of $1.47, narrowly surpassing the consensus analyst estimate of $1.44 by $0.03. This represented an 11.9% increase in net income to $6.6 million compared to fiscal Q2 2025.

    2. The company demonstrated an improved net interest margin (NIM) and robust asset growth in fiscal Q2 2026. The NIM rose to 3.50% on an annualized basis, up from 3.21% in the same period last year. Total assets grew to $2.3 billion and total deposits increased to $1.9 billion as of June 30, 2026.

    Show more
    Updated on 8/1/2026

    Franklin Financial Services (FRAF) stock has gained about 10% since 4/30/2026 because of the following key factors:

    1. Franklin Financial Services Corporation reported stronger than anticipated financial results for fiscal Q2 2026, which ended on June 30, 2026. The company posted diluted earnings per share (EPS) of $1.47, narrowly surpassing the consensus analyst estimate of $1.44 by $0.03. This represented an 11.9% increase in net income to $6.6 million compared to fiscal Q2 2025.

    2. The company demonstrated an improved net interest margin (NIM) and robust asset growth in fiscal Q2 2026. The NIM rose to 3.50% on an annualized basis, up from 3.21% in the same period last year. Total assets grew to $2.3 billion and total deposits increased to $1.9 billion as of June 30, 2026.

    3. Franklin Financial Services increased its quarterly cash dividend, signaling confidence in future performance. The Board of Directors declared a $0.34 per share regular quarterly cash dividend for fiscal Q3 2026, payable on August 26, 2026. This represents an increase from the $0.33 per share paid in both fiscal Q1 2026 and Q2 2025.

    4. Analyst sentiment turned more positive following the earnings report, leading to an upward revision in the stock's price target. On July 30, 2026, Hovde Group raised its price objective for FRAF from $64.00 to $68.00, while maintaining a "market perform" rating. This updated target indicated a potential upside of 6.58% from the stock's price at the time of the report.

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    Stock Movement Drivers

    Fundamental Drivers

    The 11.9% change in FRAF stock from 4/30/2026 to 8/8/2026 was primarily driven by a 8.2% change in the company's Net Income Margin (%).
    (LTM values as of)43020268082026Change
    Stock Price ($)55.7162.3211.9%
    Change Contribution By: 
    Total Revenues ($ Mil)87914.2%
    Net Income Margin (%)24.3%26.3%8.2%
    P/E Multiple11.811.6-0.9%
    Shares Outstanding (Mil)440.1%
    Cumulative Contribution11.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/8/2026
    ReturnCorrelation
    FRAF11.9% 
    Market (SPY)7.6%2.0%
    Sector (XLF)10.5%33.1%

    Fundamental Drivers

    The 24.4% change in FRAF stock from 1/31/2026 to 8/8/2026 was primarily driven by a 33.4% change in the company's Net Income Margin (%).
    (LTM values as of)13120268082026Change
    Stock Price ($)50.0862.3224.4%
    Change Contribution By: 
    Total Revenues ($ Mil)809114.6%
    Net Income Margin (%)19.7%26.3%33.4%
    P/E Multiple14.311.6-18.5%
    Shares Outstanding (Mil)440.0%
    Cumulative Contribution24.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/8/2026
    ReturnCorrelation
    FRAF24.4% 
    Market (SPY)12.1%14.9%
    Sector (XLF)8.3%29.1%

    Fundamental Drivers

    The 60.4% change in FRAF stock from 7/31/2025 to 8/8/2026 was primarily driven by a 62.9% change in the company's Net Income Margin (%).
    (LTM values as of)73120258082026Change
    Stock Price ($)38.8662.3260.4%
    Change Contribution By: 
    Total Revenues ($ Mil)729126.0%
    Net Income Margin (%)16.1%26.3%62.9%
    P/E Multiple14.811.6-21.2%
    Shares Outstanding (Mil)44-0.8%
    Cumulative Contribution60.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/8/2026
    ReturnCorrelation
    FRAF60.4% 
    Market (SPY)23.4%21.1%
    Sector (XLF)11.3%38.1%

    Fundamental Drivers

    The 135.7% change in FRAF stock from 7/31/2023 to 8/8/2026 was primarily driven by a 52.5% change in the company's P/E Multiple.
    (LTM values as of)73120238082026Change
    Stock Price ($)26.4462.32135.7%
    Change Contribution By: 
    Total Revenues ($ Mil)679136.3%
    Net Income Margin (%)22.8%26.3%15.4%
    P/E Multiple7.611.652.5%
    Shares Outstanding (Mil)44-1.8%
    Cumulative Contribution135.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/8/2026
    ReturnCorrelation
    FRAF135.7% 
    Market (SPY)74.9%19.2%
    Sector (XLF)70.4%29.9%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FRAF Return28%13%-9%-1%73%27%187%
    Peers Return77%-4%21%9%18%23%225%
    S&P 500 Return27%-19%24%23%16%13%105%

    Monthly Win Rates [3]
    FRAF Win Rate75%50%33%50%58%75% 
    Peers Win Rate73%42%52%50%58%68% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    FRAF Max Drawdown-14%-17%-31%-23%-14%-12% 
    Peers Max Drawdown-20%-30%-40%-20%-26%-15% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [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 8/7/2026 (YTD)

    How Low Can It Go

    EventFRAFS&P 500
    2025 US Tariff Shock
      % Loss-12.2%-18.8%
      % Gain to Breakeven13.9%23.1%
      Time to Breakeven13 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-24.3%-6.7%
      % Gain to Breakeven32.1%7.1%
      Time to Breakeven180 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-11.8%-24.5%
      % Gain to Breakeven13.3%32.4%
      Time to Breakeven42 days427 days
    2020 COVID-19 Crash
      % Loss-40.2%-33.7%
      % Gain to Breakeven67.1%50.9%
      Time to Breakeven627 days140 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-13.1%-17.9%
      % Gain to Breakeven15.1%21.8%
      Time to Breakeven551 days123 days
    2008-2009 Global Financial Crisis
      % Loss-41.2%-53.4%
      % Gain to Breakeven70.1%114.4%
      Time to Breakeven3299 days1085 days

    Compare to FNB, FULT, WSBC, STBA, CUBI

    In The Past

    Franklin Financial Services's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFRAFS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-24.3%-6.7%
      % Gain to Breakeven32.1%7.1%
      Time to Breakeven180 days31 days
    2020 COVID-19 Crash
      % Loss-40.2%-33.7%
      % Gain to Breakeven67.1%50.9%
      Time to Breakeven627 days140 days
    2008-2009 Global Financial Crisis
      % Loss-41.2%-53.4%
      % Gain to Breakeven70.1%114.4%
      Time to Breakeven3299 days1085 days

    Compare to FNB, FULT, WSBC, STBA, CUBI

    In The Past

    Franklin Financial Services's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Franklin Financial Services (FRAF)

    Franklin Financial Services Corporation (FRAF) operates as a bank holding company, primarily through its subsidiary, Farmers and Merchants Trust Company of Chambersburg. It functions as a community bank, offering a comprehensive suite of financial services. Its core business revolves around traditional commercial and retail banking services, alongside specialized trust and investment offerings, serving local communities in Pennsylvania.

    The company's primary offerings include a wide array of deposit products such as checking, savings, money market, and time deposit accounts. On the lending side, FRAF provides various loan types, including commercial real estate, construction, agricultural, commercial and industrial, and residential mortgages, as well as consumer installment loans. Beyond traditional banking, it offers extensive investment and trust services, encompassing estate planning, corporate and personal trust fund management, pension services, and the sale of mutual funds, annuities, and insurance products.

    FRAF primarily serves small and medium-sized businesses, individuals, governmental entities, and non-profit organizations within Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania, where it maintains twenty-two community banking offices. A unique aspect of its operations includes its non-bank subsidiary, Franklin Future Fund Inc., which makes venture capital investments. This combination allows FRAF to cater to both conventional banking needs and provide specialized financial and investment solutions within its regional market.

    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.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    The management team members for Franklin Financial Services (symbol: FRAF) are as follows:

    Craig W. Best, President and Chief Executive Officer

    Mr. Best was appointed President of Franklin Financial Services Corporation and F&M Trust on January 14, 2025, and subsequently became Chief Executive Officer on April 29, 2025. He brings over 40 years of banking experience, specializing in merger and acquisition, corporate banking, retail banking, and credit administration. Before joining F&M Trust, he served as President and Chief Executive Officer of Peoples Security Bank and Trust Company and its bank holding company, Peoples Financial Corp. Previously, he was the President and CEO of Penseco Financial Services Corporation and its subsidiary until their merger with Peoples Financial Services Corp. His career also includes a tenure as Chief Operating Officer of First Commonwealth Bank.

    Mark R. Hollar, Executive Vice President, Treasurer and Chief Financial Officer

    Mr. Hollar has served as Chief Financial Officer and Treasurer of Franklin Financial Services and F&M Trust since 2005 (or 2006, according to some sources), having joined F&M Trust in 1994. He holds a bachelor's degree in business administration from Shippensburg University of Pennsylvania and an MBA from Frostburg University. Mr. Hollar also attended the Graduate School of Banking at the University of Wisconsin – Madison and served as an officer in the United States Marine Corps.

    Charles Benner Carroll, Executive Vice President and Chief Operating Officer of F&M Trust

    Mr. Carroll serves as Executive Vice President and Chief Operating Officer of F&M Trust, the bank subsidiary of Franklin Financial Services Corporation, focusing on the day-to-day operations of the core banking subsidiary.

    AI Analysis | Feedback

    Key Business Risks for Franklin Financial Services (FRAF)

    1. Credit Risk and Regional Economic Downturn: As a community bank primarily engaged in lending activities across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania, Franklin Financial Services is significantly exposed to credit risk. A downturn in the regional economy, impacting local businesses (small and medium-sized businesses, agricultural operations) and individuals, could lead to increased loan defaults across its diverse portfolio, including commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans. Such an event would directly result in higher loan losses and reduced demand for banking services, adversely affecting the company's financial performance.
    2. Interest Rate Risk: Franklin Financial Services' profitability, like that of other financial institutions, is highly sensitive to fluctuations in interest rates. Changes in market interest rates can affect the interest earned on its loan portfolio and investments, as well as the interest paid on deposits and borrowed funds. A mismatch in the repricing characteristics of its assets and liabilities could lead to a compression of its net interest margin, thereby reducing profitability.
    3. Regulatory and Compliance Risk: The banking industry is subject to extensive and complex federal and state laws, regulations, and supervisory oversight. Changes in these regulatory requirements, or the interpretation and enforcement thereof, could necessitate significant investments in compliance infrastructure, alter business practices, limit certain revenue-generating activities, or impose higher capital requirements. Failure to comply with applicable regulations could also result in penalties, fines, or reputational damage, all of which could negatively impact the company's operations and financial condition.

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    Franklin Financial Services (symbol: FRAF) operates within various addressable markets primarily focused on banking, lending, trust, and investment services in Pennsylvania. Here are the estimated addressable market sizes for their main products and services in the specified region: * Commercial Banking: The market size of the Commercial Banking industry in Pennsylvania is projected to be $43.2 billion in 2026. This encompasses commercial, industrial, and consumer loans, as well as deposits from retail and business clients. * Total Bank Deposits: The total deposits held at community bank branches in Pennsylvania amounted to approximately $227.98 billion as of December 13, 2024. * Residential Mortgage Loans: In 2022, there were roughly 126,000 mortgage originations for owner-occupied homes in Pennsylvania. The average mortgage amount in Pennsylvania was $267,022 in the same year. The broader Real Estate Loans & Collateralized Debt industry in Pennsylvania is estimated at $11.7 billion in 2026. * Commercial Real Estate Loans: Pennsylvania's annual commercial real estate transaction volume is approximately $18.5 billion. * Consumer Loans: While a specific standalone consumer loan market size for Pennsylvania was not identified, the Commercial Banking industry market size includes consumer loans. Additionally, Pennsylvanians had an average debt of $85,047 per resident as of Q4 2023, which includes various consumer debt types like auto loans, credit card debt, and other personal loans, in addition to mortgages and home equity lines of credit. * Trust and Wealth Management Services: While a total market size for trust services across all of Pennsylvania is not readily available, a leading wealth management firm in the Philadelphia market, Pennsylvania Trust, had approximately $4 billion in assets under management in 2020. Another global wealth manager's assets under management increased to approximately $29 billion after acquiring Pennsylvania Trust and another firm, indicating the scale of significant players in the region. * Venture Capital Investments: The Venture Capital & Principal Trading industry in Pennsylvania has a projected market size of $3.1 billion in 2026. For context, the Philadelphia metropolitan area alone saw $3.76 billion in venture capital deals in 2025.

    AI Analysis | Feedback

    Franklin Financial Services (NASDAQ: FRAF) is expected to drive future revenue growth over the next two to three years through several key strategies:

    1. Continued Commercial and Residential Mortgage Loan Growth: The company has demonstrated robust loan growth, particularly in commercial real estate and 1-4 family residential mortgages, which has been a primary contributor to increased interest income. Management emphasizes continued focus on expanding commercial lending.
    2. Expansion of Wealth Management Services: Growth in wealth management fees and assets under management has consistently boosted non-interest income. Assets under management reached $1.421 billion by the end of 2025, supporting recurring asset management fees and referral income.
    3. Strategic Expansion of Residential Mortgages into the Secondary Market: Franklin Financial Services is actively increasing loan originations and expanding the sale of residential mortgages into the secondary market. This initiative is expected to generate additional fee income for the company.
    4. Strategic Deposit Growth and Efficient Funding Management: The company has experienced growth in total deposits, and effective management of deposit costs is crucial for net interest margin expansion. This approach supports net interest income, a primary component of revenue.

    AI Analysis | Feedback

    Share Repurchases

    • Franklin Financial Services Corporation's board of directors authorized the repurchase of up to 150,000 shares of common stock, effective from January 1, 2026, through December 31, 2026.
    • In January 2025, an open market repurchase plan was approved to repurchase 150,000 shares of common stock over a one-year period.
    • Under an approved plan, 19,300 shares of common stock were repurchased in 2025 to fund the quarterly dividend reinvestment plan and Employee Stock Purchase Plan.

    Share Issuance

    • In March 2026, restricted stock units (RSUs) were granted to executives, including the SVP and Chief HR Officer, which are scheduled to vest in installments over several years.

    Capital Expenditures

    • Franklin Financial Services Corp's Capital Expenditures to Operating Cash Flow (CapEx/OCF) was 4.78% for the latest trailing twelve months.
    • The highest CapEx/OCF recorded by Franklin Financial Services Corp over the past five years was 58.9% on June 30, 2022.
    • The lowest CapEx/OCF recorded by Franklin Financial Services Corp over the past five years was 1.88% on December 31, 2023.

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    KWEBKraneShares CSI China Internet ETFEquity8.2%-15.8%
    USOUnited States Oil Fund LPCommodity8.2%70.6%
    AKREAkre Focus ETFEquity7.5%-10.1%

    Top Losers

    TickerCompanyCategory1M RtnYTD Rtn
    EWYiShares MSCI South Korea ETFEquity-10.1%70.8%
    UNGUnited States Natural Gas Fund LPCommodity-10.1%-20.6%
    SOXXiShares Semiconductor ETFEquity-6.6%80.5%
    ICLNiShares Global Clean Energy ETFEquity-5.3%11.4%
    SOXQInvesco PHLX Semiconductor ETFEquity-4.7%74.5%
    XOVREntrepreneurShares Series Trust ERSha...Equity-4.5%-0.0%
    NASATema Space Innovators ETFEquity-4.3%1.5%
    XBIState Street SPDR S&P Biotech ETFEquity-4.2%29.1%
    SMHVanEck Semiconductor ETFEquity-4.1%61.8%
    MTUMiShares MSCI USA Momentum Factor ETFEquity-3.7%23.7%

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    Peer Comparisons

    Peers to compare with:

    Financials

    FRAFFNBFULTWSBCSTBACUBIMedian
    NameFranklin.F N B Fulton F.Wesbanco S&T Banc.Customer. 
    Mkt Price62.3218.9724.2441.6950.8782.0746.28
    Mkt Cap0.36.84.64.01.82.83.4
    Rev LTM911,8281,3661,052416906979
    Op Inc LTM-------
    FCF LTM40622412394143229312
    FCF 3Y Avg29500329256151172214
    CFO LTM41704426396147381388
    CFO 3Y Avg30602361266155267266

    Growth & Margins

    FRAFFNBFULTWSBCSTBACUBIMedian
    NameFranklin.F N B Fulton F.Wesbanco S&T Banc.Customer. 
    Rev Chg LTM26.0%11.8%5.9%38.0%8.1%38.3%18.9%
    Rev Chg 3Y Avg11.4%4.3%8.0%21.3%0.8%16.2%9.7%
    Rev Chg Q18.5%5.5%12.2%5.5%5.2%10.6%8.0%
    QoQ Delta Rev Chg LTM4.2%1.3%3.0%1.4%1.3%2.4%1.9%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM44.7%38.5%31.2%37.7%35.3%42.0%38.1%
    CFO/Rev 3Y Avg38.3%35.9%29.7%32.7%39.0%35.3%35.6%
    FCF/Rev LTM43.9%34.0%30.2%37.5%34.4%25.3%34.2%
    FCF/Rev 3Y Avg36.5%29.8%27.2%31.3%38.0%23.3%30.5%

    Valuation

    FRAFFNBFULTWSBCSTBACUBIMedian
    NameFranklin.F N B Fulton F.Wesbanco S&T Banc.Customer. 
    Mkt Cap0.36.84.64.01.82.83.4
    P/S3.13.73.43.84.43.13.5
    P/Op Inc-------
    P/EBIT-------
    P/E11.611.211.711.212.99.511.4
    P/CFO6.89.610.910.112.47.39.9
    Total Yield10.7%11.5%11.7%12.4%10.7%10.5%11.1%
    Dividend Yield2.1%2.6%3.1%3.5%2.9%0.0%2.8%
    FCF Yield 3Y Avg16.1%8.8%9.3%9.3%10.4%7.8%9.3%
    D/E0.80.60.40.40.20.80.5
    Net D/E-0.3-0.2-0.40.2-0.5-0.9-0.4

    Returns

    FRAFFNBFULTWSBCSTBACUBIMedian
    NameFranklin.F N B Fulton F.Wesbanco S&T Banc.Customer. 
    1M Rtn2.2%1.4%0.5%7.3%4.1%7.9%3.2%
    3M Rtn7.1%6.8%13.6%23.1%15.2%6.2%10.4%
    6M Rtn31.2%1.8%8.4%12.5%17.2%7.6%10.4%
    12M Rtn58.7%30.7%41.3%47.7%44.8%31.0%43.0%
    3Y Rtn129.0%69.3%94.2%75.1%81.3%109.5%87.7%
    1M Excs Rtn-0.6%-1.4%-2.3%4.4%1.3%5.0%0.4%
    3M Excs Rtn3.1%0.9%8.2%17.5%9.5%-0.4%5.6%
    6M Excs Rtn20.0%-10.6%-3.4%0.0%3.1%-7.1%-1.7%
    12M Excs Rtn42.0%8.9%20.9%24.6%22.9%10.0%21.9%
    3Y Excs Rtn60.7%-6.7%18.6%3.1%8.7%27.9%13.7%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/11/20263/13/202611/10/20258/14/20255/15/20253/14/202511/14/20248/9/20245/8/20243/11/202411/14/20238/10/2023
    Key Financials Quarterly            
    Total Revenue242323222015191817181716
    Net Income765640433343
    EPS1.481.351.201.320.880.110.960.670.770.800.890.68
    Key Financials TTM            
    Total Revenue TTM918780767270737169676767
    Net Income TTM242116151211141414141415
    Growth Rates Quarterly            
    Total Revenue Growth18.5%52.5%18.0%20.7%13.8%-14.8%10.3%11.0%10.5%-1.0%0.2%3.6%
    Net Income Growth69.2%1140.9%26.9%94.8%16.7%-86.0%9.3%1.9%2.1%-6.6%-16.7%-16.8%
    Margins Quarterly            
    Net Income Margin28.2%26.3%23.6%26.9%19.8%3.2%22.0%16.6%19.3%19.6%22.2%18.1%
    Cash & Debt            
    Total Cash305230272329531507705636650502540513
    Total Debt21521521522422422426430430415413595
    Net Debt / (Cash)-89-15-57-105-307-283-440-332-345-347-405-419
    Cash Flows Quarterly            
    FCF from Operations2438594827676
    Cash Flows TTM            
    FCF from Operations TTM412526262322232326272829
    Returns to Shareholders Quarterly            
    Dividends111111111111
    Share Repurchases000000000-0-02
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community Banking114101   
    Other revenue - not allocated to a segment105   
    Wealth99   
    Single Segment  676561
    Total134115676561


    Assets by Segment
    $ Mil202520242023
    Community Banking2,2362,1941,834
    Wealth121
    Total2,2382,1961,836


    Price Behavior

    Price Behavior
    Market Price$62.32 
    Market Cap ($ Bil)0.3 
    First Trading Date02/23/2007 
    Distance from 52W High-2.2% 
       50 Days200 Days
    DMA Price$61.29$53.68
    DMA Trendupup
    Distance from DMA1.7%16.1%
     3M1YR
    Volatility25.4%30.2%
    Downside Capture-25.7212.33
    Upside Capture9.1262.31
    Correlation (SPY)0.8%21.2%
    FRAF Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta-0.08-0.070.020.300.500.34
    Up Beta-0.94-0.52-0.27-0.140.670.44
    Down Beta-0.75-0.250.220.130.610.40
    Up Capture45%40%30%69%56%13%
    Bmk +ve Days11223567138427
    Stock +ve Days14273969135364
    Down Capture33%-14%-28%34%18%21%
    Bmk -ve Days11212859114326
    Stock -ve Days8162457114353

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FRAF
    FRAF64.6%30.3%1.65-
    Sector ETF (XLF)12.3%14.6%0.5737.8%
    Equity (SPY)23.3%12.8%1.3620.8%
    Gold (GLD)28.5%28.4%0.87-6.1%
    Commodities (DBC)32.9%19.8%1.32-18.9%
    Real Estate (VNQ)14.2%13.8%0.7234.3%
    Bitcoin (BTCUSD)-43.7%43.0%-1.2114.6%

    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
    FRAF16.6%24.6%0.63-
    Sector ETF (XLF)11.4%18.4%0.4823.7%
    Equity (SPY)13.5%17.2%0.6116.2%
    Gold (GLD)18.6%18.6%0.81-0.5%
    Commodities (DBC)8.2%19.6%0.31-0.5%
    Real Estate (VNQ)2.3%18.9%0.0217.5%
    Bitcoin (BTCUSD)9.0%53.0%0.367.8%

    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
    FRAF7.6%33.7%0.39-
    Sector ETF (XLF)13.6%22.1%0.5642.4%
    Equity (SPY)15.4%17.9%0.7334.0%
    Gold (GLD)12.1%16.2%0.61-2.1%
    Commodities (DBC)7.4%18.0%0.3314.2%
    Real Estate (VNQ)4.8%20.7%0.2037.4%
    Bitcoin (BTCUSD)58.4%66.2%0.9811.6%

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

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity0.1 Mil
    Short Interest: % Change Since 630202613.8%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest2.6 days
    Basic Shares Quantity4.5 Mil
    Short % of Basic Shares2.6%

    Returns Analyses

    Earnings Returns History

    Updated 8/4/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/2026-0.8%0.5% 
    4/23/2026-0.4%0.2%4.2%
    1/27/20262.1%3.8%7.8%
    10/28/2025-1.8%-2.0%16.6%
    7/22/20252.7%-1.3%3.1%
    4/29/2025-0.7%-0.8%-0.7%
    1/28/20252.1%4.8%14.4%
    10/22/20241.0%10.7%14.7%
    ...
    SUMMARY STATS   
    # Positive111413
    # Negative131010
    Median Positive1.2%1.7%4.2%
    Median Negative-1.1%-1.7%-3.6%
    Max Positive4.5%11.3%24.0%
    Max Negative-2.8%-5.8%-20.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/2026-0.8%0.5% 
    4/23/2026-0.4%0.2%4.2%
    1/27/20262.1%3.8%7.8%
    10/28/2025-1.8%-2.0%16.6%
    7/22/20252.7%-1.3%3.1%
    4/29/2025-0.7%-0.8%-0.7%
    1/28/20252.1%4.8%14.4%
    10/22/20241.0%10.7%14.7%
    7/23/20240.7%3.8%-1.0%
    4/23/2024-2.1%-0.5%-12.5%
    1/30/2024-1.7%-4.9%-20.0%
    10/24/20234.5%11.3%16.3%
    7/25/20230.6%0.7%-1.5%
    4/25/20230.2%-1.8%-10.3%
    1/24/2023-0.5%-1.2%-1.6%
    10/25/20222.7%2.0%0.5%
    7/26/20221.2%1.8%2.8%
    4/26/2022-2.8%-5.1%-12.9%
    1/25/2022-0.6%1.5%1.0%
    10/26/2021-0.1%0.1%1.5%
    7/27/2021-1.1%-5.8%-5.7%
    4/26/20210.1%0.1%1.0%
    1/26/2021-1.1%-1.6%-0.7%
    10/27/2020-2.3%1.0%24.0%
    SUMMARY STATS   
    # Positive111413
    # Negative131010
    Median Positive1.2%1.7%4.2%
    Median Negative-1.1%-1.7%-3.6%
    Max Positive4.5%11.3%24.0%
    Max Negative-2.8%-5.8%-20.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/11/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/14/202510-Q
    03/31/202505/15/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/14/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/10/202310-Q
    03/31/202305/12/202310-Q
    12/31/202203/10/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/11/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/14/202510-Q
    03/31/202505/15/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/14/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/10/202310-Q
    03/31/202305/12/202310-Q
    12/31/202203/10/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/13/202210-Q
    12/31/202103/10/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/09/202110-Q
    03/31/202105/10/202110-Q
    12/31/202003/11/202110-K
    09/30/202011/09/202010-Q
    06/30/202008/07/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/13/202010-K
    09/30/201911/08/201910-Q
    06/30/201908/02/201910-Q

    Recent Forward Guidance

    Updated 7/27/2026

    Latest: Q2 2026 Earnings Reported 7/24/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    Q3 2026 Dividends 0.34 0.0% Same NewActual: 0.34 for Q2 2026

    Prior: Q1 2026 Earnings Reported 4/23/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    Q2 2026 Dividends 0.34 3.0% Higher NewActual: 0.33 for Q1 2026

    Q4 2025 Earnings Reported 1/27/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    Q1 2026 Dividends 0.33 0.0% AffirmedActual: 0.33 for Q4 2025
    2026 Share Repurchases 0.15 Mil    

    Q3 2025 Earnings Reported 10/28/2025

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    Q4 2025 Dividends 0.33 0 Same NewActual: 0.33 for Q3 2025

    Insider Activity

    Updated 8/3/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Duffey, Gregory A DirectBuy730202664.08161,0251,532,217Form
    2Duffey, Gregory A DirectBuy601202658.88171,0011,403,994Form
    3Butz, Steven DEVP, CCSODirectSell601202657.731,40080,822323,865Form
    4Duffey, Gregory A DirectBuy430202655.35189961,313,068Form
    5Snook, Gregory I DirectBuy311202648.182,200105,996447,496Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Duffey, Gregory A DirectBuy730202664.08161,0251,532,217Form
    2Duffey, Gregory A DirectBuy601202658.88171,0011,403,994Form
    3Butz, Steven DEVP, CCSODirectSell601202657.731,40080,822323,865Form
    4Duffey, Gregory A DirectBuy430202655.35189961,313,068Form
    5Snook, Gregory I DirectBuy311202648.182,200105,996447,496Form
    6Duffey, Gregory A DirectBuy226202652.33199941,217,143Form
    7Carroll, Charles Benner JRCOODirectBuy209202646.9338017,833189,269Form
    8Rzomp, Kimberly DirectSell1223202554.071,50081,105315,877Form
    9Duffey, Gregory A DirectBuy1128202553.91191,0241,281,441Form
    10Carroll, Charles Benner JREVP, COODirectSell829202546.5565030,257162,832Form
    11Duffey, Gregory A DirectBuy829202546.55219781,097,649Form
    12Ehrig, Scott DSVP, Chief Wealth OfficerDirectSell829202546.831,06049,64090,944Form
    13Hollar, Mark REVP/CFODirectSell827202546.751798,368747,579Form
    14Long, David MSVP, Chief Technology OfficerDirectSell826202544.301376,06952,318Form
    15Duffey, Gregory A DirectBuy801202540.48251,012948,689Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 8/8/2026