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Franklin Financial Services Corporation FRAF
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 33.65
-0.62 %
$ 149 M
Market Cap
13.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FRAF stock under the worst case scenario is HIDDEN Compared to the current market price of 33.6 USD, Franklin Financial Services Corporation is HIDDEN

FRAF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FRAF stock under the base case scenario is HIDDEN Compared to the current market price of 33.6 USD, Franklin Financial Services Corporation is HIDDEN

FRAF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FRAF stock under the best case scenario is HIDDEN Compared to the current market price of 33.6 USD, Franklin Financial Services Corporation is HIDDEN

FRAF Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FRAF

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1M -6%
6M 13%
1Y 18%
3Y 13%
5Y 60%
All
$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
101 M REVENUE
54.27%
Growth Rates
1Year 54.27%
3Years 18.43%
5Years 12.41%
7Years 11.08%
10Years 9.29%
99.6 M OPERATING INCOME
512.75%
Growth Rates
1Year 512.75%
3Years 62.94%
5Years 39.28%
7Years 42.78%
10Years 25.33%
11.1 M NET INCOME
-18.38%
Growth Rates
1Year -18.38%
3Years -17.29%
5Years -7.19%
7Years 26.21%
10Years 2.82%
21.8 M OPERATING CASH FLOW
-17.89%
Growth Rates
1Year -17.89%
3Years -6.19%
5Years 2.78%
7Years 4.25%
10Years 4.24%
-184 M INVESTING CASH FLOW
-3.46%
Growth Rates
1Year -3.46%
3Years -11.24%
5Years -51.01%
7Years -28.29%
10Years -30.43%
343 M FINANCING CASH FLOW
212.06%
Growth Rates
1Year 212.06%
3Years 15.00%
5Years 57.51%
7Years 36.97%
10Years 48.83%
15.1 M REVENUE
-21.60%
Growth Rates
1Year 54.27%
3Years 18.43%
5Years 12.41%
7Years 11.08%
10Years 9.29%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 512.75%
3Years 62.94%
5Years 39.28%
7Years 42.78%
10Years 25.33%
487 K NET INCOME
-88.45%
Growth Rates
1Year -18.38%
3Years -17.29%
5Years -7.19%
7Years 26.21%
10Years 2.82%
4.22 M OPERATING CASH FLOW
-45.89%
Growth Rates
1Year -17.89%
3Years -6.19%
5Years 2.78%
7Years 4.25%
10Years 4.24%
-87.8 M INVESTING CASH FLOW
-86.97%
Growth Rates
1Year -3.46%
3Years -11.24%
5Years -51.01%
7Years -28.29%
10Years -30.43%
50.9 M FINANCING CASH FLOW
-46.84%
Growth Rates
1Year 212.06%
3Years 15.00%
5Years 57.51%
7Years 36.97%
10Years 48.83%
Balance Sheet Franklin Financial Services Corporation
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Current Assets 528 M
Cash & Short-Term Investments 528 M
Receivables 0
Other Current Assets 0
Non-Current Assets 53 M
Long-Term Investments 0
PP&E 33.1 M
Other Non-Current Assets 19.8 M
90.89 %5.70 %3.41 %Total Assets$581.4m
Current Liabilities 4.26 M
Accounts Payable 0
Short-Term Debt 4.26 M
Other Current Liabilities 0
Non-Current Liabilities 2.05 B
Long-Term Debt 4.26 M
Other Non-Current Liabilities 2.04 B
99.58 %Total Liabilities$2.1b
EFFICIENCY
Earnings Waterfall Franklin Financial Services Corporation
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Revenue 101 M
Cost Of Revenue 0
Gross Profit 101 M
Operating Expenses 1.89 M
Operating Income 99.6 M
Other Expenses 88.5 M
Net Income 11.1 M
120m120m100m100m80m80m60m60m40m40m20m20m00101m0101m(2m)100m(88m)11mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
98.14% OPERATING MARGIN
98.14%
Averages
1Year 98.14%
3Years 52.34%
5Years 43.61%
7Years 38.73%
10Years 33.70%
10.94% NET MARGIN
10.94%
Averages
1Year 10.94%
3Years 18.15%
5Years 21.89%
7Years 21.38%
10Years 19.51%
7.67% ROE
7.67%
Averages
1Year 7.67%
3Years 10.35%
5Years 10.47%
7Years 10.02%
10Years 8.82%
0.50% ROA
0.50%
Averages
1Year 0.50%
3Years 0.71%
5Years 0.81%
7Years 0.83%
10Years 0.77%
14.27% ROIC
14.27%
Averages
1Year 14.27%
3Years 5.58%
5Years 3.94%
7Years 3.55%
10Years 2.71%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Franklin Financial Services Corporation
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30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 11.1 M
Depreciation & Amortization 2.09 M
Capital Expenditures -2.57 M
Stock-Based Compensation 634 K
Change in Working Capital 1.69 M
Others 8.4 M
Free Cash Flow 19.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Franklin Financial Services Corporation
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FRAF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.07% DIVIDEND YIELD
0.32 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.170.190.210.240.270.30.30.320.320.320.320.190.210.210.270.30.30.310.320.320.320.190.210.240.270.30.30.320.320.320.320.190.740.210.820.240.900.271.050.31.170.31.200.321.250.321.280.321.280.321.280.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Franklin Financial Services Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
609 K USD 4
0-3 MONTHS
32 K USD 3
3-6 MONTHS
43.9 K USD 4
6-9 MONTHS
212 K USD 7
9-12 MONTHS
7. News
Zacks Initiates Coverage of Franklin Financial With Outperform Recommendation Discover why Zacks, being the first on Wall Street to initiate the stock coverage, rates Franklin Financial as "Outperform." Explore how FRAF excels in loan, deposit and wealth growth, rewarding shareholders while managing margin and liquidity challenges. zacks.com - 2 weeks ago
Franklin Financial Reports 2024 Q4 and Year-to-Date Results; Declares Dividend CHAMBERSBURG, Pa. , Jan. 28, 2025 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2024 and year-to-date 2024 results. prnewswire.com - 2 months ago
Franklin Financial Reports 2024 Q3 and Year-to-Date Results; Declares Dividend CHAMBERSBURG, Pa. , Oct. 22, 2024 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter 2024 and year-to-date 2024 results. prnewswire.com - 5 months ago
Franklin Financial Reports 2024 Q2 and Year-to-Date Results; Declares Dividend CHAMBERSBURG, Pa. , July 23, 2024 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter 2024 and year-to-date 2024 results. prnewswire.com - 8 months ago
Franklin Financial Reports First Quarter 2024 Results; Declares Dividend CHAMBERSBURG, Pa. , April 23, 2024 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2024 financial results. prnewswire.com - 11 months ago
Franklin Financial Reports 2023 Q4 and Full Year 2023 Results; Declares Dividend CHAMBERSBURG, Pa. , Jan. 30, 2024 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2023 and year-to-date 2023 financial results. prnewswire.com - 1 year ago
Franklin Financial Reports 2023 Q3 and Year-to-Date Results; Declares Dividend CHAMBERSBURG, Pa. , Oct. 24, 2023 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter 2023 and year-to-date 2023 financial results. prnewswire.com - 1 year ago
Franklin Financial Reports 2023 Q2 and Year-to-Date Results; Declares Dividend CHAMBERSBURG, Pa. , July 25, 2023 /PRNewswire/ -- Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter 2023 and year-to-date 2023 results. prnewswire.com - 1 year ago
Dividend Champion, Contender, And Challenger Highlights: Week Of April 30 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. seekingalpha.com - 1 year ago
9 Upcoming Dividend Increases All stocks have at least five fiscal years of dividend growth history and come from the U.S. Dividend Champions List. seekingalpha.com - 3 years ago
Franklin Financial Reports 2021 Q2 Earnings; Declares Dividend CHAMBERSBURG, Pa., July 27, 2021 /PRNewswire/ -- Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $5.3 million ($1.19 per diluted share) for the second quarter ended June 30, 2021, compared to $3.1 million ($0.71 per diluted share) for the second quarter ended June 30, 2020, and $4.8 million ($1.09 per diluted share) for the first quarter of 2021. prnewswire.com - 3 years ago
9 Upcoming Dividend Increases All stocks have at least five fiscal years of dividend growth history and come from the U.S. Dividend Champions List. They have an average increase of 6.27% and a median of 3.58%. seekingalpha.com - 3 years ago
8. Profile Summary

Franklin Financial Services Corporation FRAF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 149 M
Dividend Yield 1.07%
Description 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.
Contact 20 South Main Street, Chambersburg, PA, 17201-0819 https://www.franklinfin.com
IPO Date April 6, 1994
Employees 306
Officers Mr. Charles Benner Carroll Jr. Executive Vice President and Chief Operating Officer of F&M Trust Mr. Craig W. Best President & Director Ms. Lorie M. Heckman Executive Vice President & Chief Risk Officer Mr. Mark R. Hollar EVice President, Chief Financial Officer & Treasurer Mr. Timothy G. Henry Chief Executive Officer & Director Ms. Amanda M. Ducey Corporate Secretary