NASDAQ: FRAF
Franklin Financial Services Corp Stock

$33.72+0.17 (+0.51%)
Updated Nov 29, 2024
FRAF Price
$33.72
Fair Value Price
$29.32
Market Cap
$148.90M
52 Week Low
$25.11
52 Week High
$33.99
P/E
10.54x
P/B
0.99x
P/S
1.86x
PEG
N/A
Dividend Yield
3.8%
Revenue
$71.52M
Earnings
$14.08M
Gross Margin
100%
Operating Margin
23.51%
Profit Margin
19.7%
Debt to Equity
13.35
Operating Cash Flow
$23M
Beta
0.61
Next Earnings
Jan 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A

FRAF Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine FRAF's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

A
Value
C
Growth
B
Momentum
C
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
FRAF
Ranked
#30 of 315

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FRAF News

Overview

Due Diligence Score

–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FRAF scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FRAF ($33.72) is overvalued by 14.99% relative to our estimate of its Fair Value price of $29.32 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
FRAF ($33.72) is not significantly undervalued (14.99%) relative to our estimate of its Fair Value price of $29.32 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FRAF was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FRAF due diligence checks available for Premium users.

Valuation

FRAF fair value

Fair Value of FRAF stock based on Discounted Cash Flow (DCF)

Price
$33.72
Fair Value
$29.32
Overvalued by
14.99%
FRAF ($33.72) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FRAF ($33.72) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FRAF was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FRAF price to earnings (PE)

For valuing profitable companies with steady earnings

Company
10.54x
Industry
38.44x
Market
27.74x
FRAF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FRAF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FRAF price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.99x
Industry
1.19x
FRAF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FRAF's financial health

Profit margin

Revenue
$19.0M
Net Income
$4.2M
Profit Margin
22.2%
FRAF's Earnings (EBIT) of $16.82M... subscribe to Premium to read more.
Interest Coverage Financials
FRAF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.2B
Liabilities
$2.0B
Debt to equity
13.35
FRAF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FRAF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$7.8M
Investing
-$47.0M
Financing
$95.8M
FRAF's operating cash flow ($23.46M)... subscribe to Premium to read more.
Debt Coverage Financials

FRAF vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FRAFC$148.90M+0.51%10.54x0.99x
ATLOD$152.78M+0.53%17.34x0.83x
SBFGC$144.41M-0.18%12.48x1.09x
UNBD$155.64M-0.92%17.64x2.15x
RMBIC$156.21M-1.10%16.46x1.12x

Franklin Financial Services Stock FAQ

What is Franklin Financial Services's quote symbol?

(NASDAQ: FRAF) Franklin Financial Services trades on the NASDAQ under the ticker symbol FRAF. Franklin Financial Services stock quotes can also be displayed as NASDAQ: FRAF.

If you're new to stock investing, here's how to buy Franklin Financial Services stock.

What is the 52 week high and low for Franklin Financial Services (NASDAQ: FRAF)?

(NASDAQ: FRAF) Franklin Financial Services's 52-week high was $33.99, and its 52-week low was $25.11. It is currently -0.79% from its 52-week high and 34.29% from its 52-week low.

How much is Franklin Financial Services stock worth today?

(NASDAQ: FRAF) Franklin Financial Services currently has 4,415,707 outstanding shares. With Franklin Financial Services stock trading at $33.72 per share, the total value of Franklin Financial Services stock (market capitalization) is $148.90M.

Franklin Financial Services stock was originally listed at a price of $26.80 in Dec 31, 1997. If you had invested in Franklin Financial Services stock at $26.80, your return over the last 26 years would have been 25.82%, for an annualized return of 0.89% (not including any dividends or dividend reinvestments).

How much is Franklin Financial Services's stock price per share?

(NASDAQ: FRAF) Franklin Financial Services stock price per share is $33.72 today (as of Nov 29, 2024).

What is Franklin Financial Services's Market Cap?

(NASDAQ: FRAF) Franklin Financial Services's market cap is $148.90M, as of Dec 2, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Franklin Financial Services's market cap is calculated by multiplying FRAF's current stock price of $33.72 by FRAF's total outstanding shares of 4,415,707.
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