Financhill
Buy
60

FRAF Quote, Financials, Valuation and Earnings

Last price:
$48.18
Seasonality move :
2.17%
Day range:
$47.57 - $49.80
52-week range:
$32.39 - $59.95
Dividend yield:
2.73%
P/E ratio:
10.20x
P/S ratio:
1.62x
P/B ratio:
1.24x
Volume:
34.3K
Avg. volume:
69.1K
1-year change:
32.35%
Market cap:
$216.7M
Revenue:
$133.5M
EPS (TTM):
$4.74

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Franklin Financial Services Corp. (Pennsylvania) has -- downside to fair value with a price target of -- per share.

FRAF vs. S&P 500

  • Over the past 5 trading days, Franklin Financial Services Corp. (Pennsylvania) has underperformed the S&P 500 by -6.73% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Franklin Financial Services Corp. (Pennsylvania) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Franklin Financial Services Corp. (Pennsylvania) has grown year-over-year revenues for 15 quarters straight. In the most recent quarter Franklin Financial Services Corp. (Pennsylvania) reported revenues of $33.7M.

Earnings Growth

  • Franklin Financial Services Corp. (Pennsylvania) has grown year-over-year earnings for 4 quarters straight. In the most recent quarter Franklin Financial Services Corp. (Pennsylvania) reported earnings per share of $1.35.
Enterprise value:
416.7M
EV / Invested capital:
1.11x
Price / LTM sales:
1.62x
EV / EBIT:
5.87x
EV / Revenue:
3.12x
PEG ratio (5yr expected):
0.11x
EV / Free cash flow:
16.46x
Price / Operating cash flow:
8.52x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.94%
Net Income Margin (TTM):
15.89%
Return On Equity:
13.35%
Return On Invested Capital:
5.64%
Operating Margin:
22.17%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $91.6M $114.9M $133.6M $27.2M $33.7M
Gross Profit -- -- -- -- --
Operating Income $16.2M $13.3M $26.3M $549K $7.5M
EBITDA -- -- -- -- --
Diluted EPS $3.10 $2.49 $4.74 $0.11 $1.35
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $175.1M $64.9M $23.1M $203.6M --
Total Assets $1.8B $1.7B $1.8B $2.2B $2.2B
Current Liabilities $878.9M $869.6M $975.8M $1.2B --
Total Liabilities $1.6B $1.6B $1.7B $2.1B --
Total Equity $157.1M $114.2M $132.1M $144.7M $175.2M
Total Debt $23.8M $24.9M $23.8M $223.3M $200M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $27.1M $25.2M $26.6M $9.4M $9.5M
Cash From Investing -$128.7M -$144.4M -$200M -$48.6M -$28.1M
Cash From Financing -$34.6M $281.6M $125.3M $95.8M -$1.1M
Free Cash Flow $25.4M $23M $25.3M $8.7M $9.1M
FRAF
Sector
Market Cap
$216.7M
$537.5M
Price % of 52-Week High
80.67%
92.45%
Dividend Yield
2.73%
1.46%
Shareholder Yield
8.1%
3.02%
1-Year Price Total Return
32.35%
7.82%
Beta (5-Year)
-0.082
0.453
Dividend yield:
2.73%
Annualized payout:
$1.31
Payout ratio:
24.44%
Growth streak:
1 years

Technicals

8-day SMA
Sell
Level $49.44
200-day SMA
Buy
Level $44.69
Bollinger Bands (100)
Sell
Level 46.04 - 52.68
Chaikin Money Flow
Sell
Level -1.3M
20-day SMA
Sell
Level $50.25
Relative Strength Index (RSI14)
Sell
Level 43.43
ADX Line
Sell
Level 18.51
Williams %R
Neutral
Level -61.6856
50-day SMA
Sell
Level $51.83
MACD (12, 26)
Sell
Level -0.83
25-day Aroon Oscillator
Sell
Level -20
On Balance Volume
Neutral
Level 1.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.2744)
Sell
CA Score (Annual)
Level (-2.2631)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (4.1376)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
Sell
Fundamental Score
Level (5)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Franklin Financial Services Corp. is a bank holding company, which engages in financial services and offers traditional banking. It offers commercial and retail financial services, including the taking of time, savings and demand deposits, the making of commercial, consumer and mortgage loans, and the providing of safe deposit services. The company was founded on June 1, 1983 and is headquartered in Chambersburg, PA.

Stock Forecast FAQ

In the current month, FRAF has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The FRAF average analyst price target in the past 3 months is --.

  • Where Will Franklin Financial Services Corp. (Pennsylvania) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Franklin Financial Services Corp. (Pennsylvania) share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Franklin Financial Services Corp. (Pennsylvania)?

    Analysts are divided on their view about Franklin Financial Services Corp. (Pennsylvania) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Franklin Financial Services Corp. (Pennsylvania) is a Sell and believe this share price will rise from its current level to --.

  • What Is Franklin Financial Services Corp. (Pennsylvania)'s Price Target?

    The price target for Franklin Financial Services Corp. (Pennsylvania) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is FRAF A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Franklin Financial Services Corp. (Pennsylvania) is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of FRAF?

    You can purchase shares of Franklin Financial Services Corp. (Pennsylvania) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Franklin Financial Services Corp. (Pennsylvania) shares.

  • What Is The Franklin Financial Services Corp. (Pennsylvania) Share Price Today?

    Franklin Financial Services Corp. (Pennsylvania) was last trading at $48.18 per share. This represents the most recent stock quote for Franklin Financial Services Corp. (Pennsylvania). Yesterday, Franklin Financial Services Corp. (Pennsylvania) closed at $48.36 per share.

  • How To Buy Franklin Financial Services Corp. (Pennsylvania) Stock Online?

    In order to purchase Franklin Financial Services Corp. (Pennsylvania) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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