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NASDAQ: FRAF
Franklin Financial Services Corp Stock

$30.50+0.74 (+2.49%)
Updated Apr 22, 2024
FRAF Price
$30.50
Fair Value Price
N/A
Market Cap
$133.70M
52 Week Low
$23.96
52 Week High
$35.00
P/E
9.81x
P/B
1.01x
P/S
2.09x
PEG
0.78x
Dividend Yield
4.2%
Revenue
$65.76M
Earnings
$13.60M
Gross Margin
100%
Operating Margin
23.95%
Profit Margin
20.7%
Debt to Equity
12.9
Operating Cash Flow
$27M
Beta
0.62
Next Earnings
Apr 23, 2024
Ex-Dividend
May 1, 2024
Next Dividend
May 22, 2024

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 Score

–
Industry Average (33)
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Due Diligence Checks

FRAF ($30.50) is trading below its intrinsic value of $30.80, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
FRAF is good value based on its earnings relative to its share price (9.81x), compared to the US market average (41x)
P/E vs Market Valuation
FRAF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more FRAF due diligence checks available for Premium users.

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FRAF News

Valuation

FRAF fair value

Fair Value of FRAF stock based on Discounted Cash Flow (DCF)
Price
$30.50
Fair Value
$71.68
Undervalued by
57.45%
FRAF ($30.50) is trading below... 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
9.81x
Industry
-10.79x
Market
41x
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
1.01x
Industry
0.98x
FRAF is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FRAF price to earnings growth (PEG)

For valuing profitable companies with growth potential
FRAF is good value based... subscribe to Premium to read more.
PEG Value Valuation

FRAF's financial health

Profit margin

Revenue
$17.2M
Net Income
$3.5M
Profit Margin
20.2%
FRAF's Earnings (EBIT) of $15.75M... 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
$1.8B
Liabilities
$1.7B
Debt to equity
12.9
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
$5.9M
Investing
-$46.2M
Financing
-$10.6M
FRAF's operating cash flow ($26.57M)... subscribe to Premium to read more.
Debt Coverage Financials

FRAF vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FRAF$133.70M+2.49%9.81x1.01x
PWOD$135.18M+0.17%7.69x0.71x
WNEB$135.32M-4.57%8.96x0.57x
FINW$135.88M+4.33%7.68x0.88x
VABK$131.53M+0.62%6.78x0.86x

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 $35.00, and its 52-week low was $23.96. It is currently -12.86% from its 52-week high and 27.3% from its 52-week low.

How much is Franklin Financial Services stock worth today?

(NASDAQ: FRAF) Franklin Financial Services currently has 4,383,720 outstanding shares. With Franklin Financial Services stock trading at $30.50 per share, the total value of Franklin Financial Services stock (market capitalization) is $133.70M.

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 13.81%, for an annualized return of 0.5% (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 $30.50 today (as of Apr 22, 2024).

What is Franklin Financial Services's Market Cap?

(NASDAQ: FRAF) Franklin Financial Services's market cap is $133.70M, as of Apr 23, 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 $30.50 by FRAF's total outstanding shares of 4,383,720.
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