FRAF Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
My Notes
Capture your thoughts, links and company narrative
Franklin Financial Services Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$28.08 |
| 52 Week High | US$34.15 |
| 52 Week Low | US$25.11 |
| Beta | 0.31 |
| 1 Month Change | -14.91% |
| 3 Month Change | -8.36% |
| 1 Year Change | -3.12% |
| 3 Year Change | -16.35% |
| 5 Year Change | -25.12% |
| Change since IPO | 342.63% |
Recent News & Updates
Recent updates
Franklin Financial Services (NASDAQ:FRAF) Will Pay A Dividend Of $0.32
Jul 20
Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32
Apr 20Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32
Jan 26Franklin Financial Services (NASDAQ:FRAF) Has Affirmed Its Dividend Of $0.32
Oct 26Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32
Jul 27Franklin Financial Services' (NASDAQ:FRAF) Dividend Will Be $0.32
Jan 27Franklin Financial Services GAAP EPS of $0.80, revenue of $16.2M
Jul 26Franklin Financial Services (NASDAQ:FRAF) Has Announced A Dividend Of $0.32
Jul 26Franklin Financial Services (NASDAQ:FRAF) Has Announced That It Will Be Increasing Its Dividend To US$0.32
Oct 23Franklin Financial Services (NASDAQ:FRAF) Will Pay A Larger Dividend Than Last Year At US$0.32
Jul 15Franklin Financial Services reports Q1 results
Apr 26It's Probably Less Likely That Franklin Financial Services Corporation's (NASDAQ:FRAF) CEO Will See A Huge Pay Rise This Year
Apr 21Could Franklin Financial Services Corporation (NASDAQ:FRAF) Have The Makings Of Another Dividend Aristocrat?
Mar 24Be Sure To Check Out Franklin Financial Services Corporation (NASDAQ:FRAF) Before It Goes Ex-Dividend
Jan 30
Franklin Financial Services (NASDAQ:FRAF) Has Compensated Shareholders With A Respectable 54% Return On Their Investment
Jan 27What We Learned About Franklin Financial Services' (NASDAQ:FRAF) CEO Pay
Dec 05Shareholder Returns
| FRAF | US Banks | US Market | |
|---|---|---|---|
| 7D | -3.4% | 0.4% | -0.5% |
| 1Y | -3.1% | 33.2% | 23.2% |
Return vs Industry: FRAF underperformed the US Banks industry which returned 33.2% over the past year.
Return vs Market: FRAF underperformed the US Market which returned 23.2% over the past year.
Price Volatility
| FRAF volatility | |
|---|---|
| FRAF Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in US Market | 18.6% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: FRAF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: FRAF's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1906 | 306 | Tim Henry | www.franklinfin.com |
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.
Franklin Financial Services Corporation Fundamentals Summary
| FRAF fundamental statistics | |
|---|---|
| Market cap | US$125.85m |
| Earnings (TTM) | US$14.08m |
| Revenue (TTM) | US$71.52m |
8.8x
P/E Ratio0.8x
P/B RatioIs FRAF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FRAF income statement (TTM) | |
|---|---|
| Revenue | US$71.52m |
| Cost of Revenue | US$0 |
| Gross Profit | US$71.52m |
| Other Expenses | US$57.44m |
| Earnings | US$14.08m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.19 |
| Gross Margin | 100.00% |
| Net Profit Margin | 19.69% |
| Debt/Equity Ratio | 173.2% |
How did FRAF perform over the long term?
See historical performance and comparisonDividends
4.6%
Current Dividend Yield40%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/10 00:42 |
| End of Day Share Price | 2025/01/10 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Franklin Financial Services Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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