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Company Analysis

Franklin Financial Services Cor FRAF

A comprehensive view of key metrics, scores, and financial health for Franklin Financial Services Cor

Overview of Franklin Financial Services Corporation

FRAF NCM
Financial Services Banks - Regional Micro Cap
Franklin Financial Services Corporation (FRAF), is a Micro Cap company, in the Banks - Regional industry, last closed at $49.06, about 21.7% overvalued vs fair value, +36.7% 1Y return, ranked 381/1004 in sector.
$49.07
-0.63%
As of March 13, 2026
Previous close • Vol 90d: 34.6%
52-Week Range
Market Cap
$219.87M
Enterprise Value
$245.53M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.franklinfin.com
HQ Chambersburg, PA
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$72
Current: $49.07 -22% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$100.8M
31.4%%
Interest Expense
$44.7M
Net Interest Income
$56.8M
6%%
Total Revenue
$133.5M
91.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.5M
58.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Franklin Financial Services Cor's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FRAF's balance between Growth (55.0%), Profitability (22.9%), and Safety (22.1%). Growth 55% Safety 22% Profitability 23%

Click axes to expand details. Marker shows current allocation.

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Growth

82th percentile vs peers
82
Key Signals
Rev Growth YoY 91.1% 78p Asset Growth YoY 19.7% 89p Revenue CAGR 3Y 26.9% 79p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • Asset Growth Yoy in top 20% of peers (19.7%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

34th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
33
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Franklin Financial Services Cor.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$38.43
- - -
-21.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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