Symbols / FRAF Stock $56.18 +0.14% Franklin Financial Services Corporation

Financial Services • Banks - Regional • United States • NCM
FRAF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Craig W. Best
Exch · Country NCM · United States
Market Cap 252.42M
Enterprise Value 438.87M
Income 23.94M
Sales 90.19M
FCF (ttm) —
Book/sh 39.78
Cash/sh 6.33
Employees —
Insider 10d —
IPO Apr 06, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 24.72%
P/E 10.52
Forward P/E 8.67
PEG 1.03
P/S 2.80
P/B 1.41
P/C —
EV/EBITDA —
EV/Sales 4.87
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 5.34
EPS next Y 6.48
EPS Growth 68.20%
Revenue Growth 22.00%
EPS Gr Q/Q 69.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-23
ROA 1.05%
ROE 14.50%
ROIC —
Gross Margin 0.00%
Oper. Margin 37.15%
Profit Margin 26.54%
Shs Outstand 4.49M
Shs Float 4.18M
Insider Own 6.46%
Instit Own 34.60%
Short Float 1.43%
Short Ratio 1.47
Short Interest 61.35K
52W High 60.00
vs 52W High -6.37%
52W Low 33.44
vs 52W Low 68.00%
Beta -0.01
Impl. Vol. —
Rel Volume 0.29
Avg Volume 30.85K
Volume 8.88K
Target (mean) $64.00
Tgt Median $64.00
Tgt Low $64.00
Tgt High $64.00
# Analysts 1
Recom None
Prev Close $56.10
Price $56.18
Change 0.14%
About

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$64.00
Mean price target
2. Current target
$56.18
Latest analyst target
3. DCF / Fair value
$80.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$56.18
Low
$64.00
High
$64.00
Mean
$64.00
News
RSS: Latest FRAF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-29 DUFFEY GREGORY A Director — 18 $55.35 $996
2026-04-29 CARROLL CHARLES BENNER JR. President — 1,020 $0.00 $0
2026-03-30 ELLIOTT G WARREN Director — 48 $50.56 $2,427
2026-03-30 KERLIN STANLEY J Director — 155 $50.56 $7,837
2026-03-30 FISHER DANIEL J Director — 97 $50.56 $4,904
2026-03-30 DUFFEY GREGORY A Director — 63 $50.56 $3,185
2026-03-30 CRAIG KEVIN W. Director — 214 $50.56 $10,820
2026-03-30 SNOOK GREGORY I. Director — 128 $50.56 $6,472
2026-03-24 HECKMAN LORIE M Officer — 200 $34.10 $6,820
2026-03-09 SNOOK GREGORY I. Director — 2,200 $48.18 $105,996
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
87.44
+25.10%
69.89
+3.93%
67.25
+2.82%
65.41
Operating Revenue
87.44
+25.10%
69.89
+3.93%
67.25
+2.82%
65.41
Selling General And Administration
39.03
+7.38%
36.35
+14.55%
31.73
+3.22%
30.75
Selling And Marketing Expense
1.73
-8.73%
1.89
-8.69%
2.07
+8.15%
1.92
General And Administrative Expense
37.31
+8.26%
34.46
+16.17%
29.66
+2.89%
28.83
Salaries And Wages
35.33
+7.87%
32.75
+13.67%
28.81
+2.56%
28.09
Other Gand A
—
—
—
—
Reconciled Depreciation
2.15
+2.68%
2.09
+3.67%
2.02
+40.29%
1.44
Total Unusual Items
—
0.00
+100.00%
-0.49
0.00
Total Unusual Items Excluding Goodwill
—
0.00
+100.00%
-0.49
0.00
Special Income Charges
—
0.00
+100.00%
-0.49
0.00
Other Special Charges
—
—
0.49
—
Net Income
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Pretax Income
26.27
+97.27%
13.31
-15.48%
15.75
-9.96%
17.50
Net Interest Income
68.86
+21.19%
56.82
+6.05%
53.58
+3.91%
51.56
Interest Expense
44.73
+1.79%
43.94
+90.00%
23.12
+375.53%
4.86
Interest Income
113.59
+12.73%
100.76
+31.36%
76.71
+35.94%
56.43
Gain On Sale Of Security
-0.01
+99.83%
-4.06
-267.91%
-1.10
-589.38%
-0.16
Tax Provision
5.04
+127.48%
2.22
+2.83%
2.15
-15.72%
2.56
Tax Rate For Calcs
0.00
+15.66%
0.00
+21.17%
0.00
-6.16%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-0.07
0.00
Net Income Including Noncontrolling Interests
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Net Income From Continuing Operation Net Minority Interest
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Net Income From Continuing And Discontinued Operation
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Net Income Continuous Operations
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Normalized Income
21.23
+91.24%
11.10
-20.86%
14.03
-6.11%
14.94
Net Income Common Stockholders
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Diluted EPS
4.74
+88.95%
2.51
-19.13%
3.10
-7.74%
3.36
Basic EPS
4.74
+88.95%
2.51
-19.39%
3.11
-7.99%
3.38
Basic Average Shares
4.48
+1.21%
4.43
+1.22%
4.37
-1.06%
4.42
Diluted Average Shares
4.48
+1.21%
4.43
+1.06%
4.38
-1.44%
4.45
Diluted NI Availto Com Stockholders
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Insurance And Claims
1.98
+15.79%
1.71
+100.94%
0.85
+15.63%
0.74
Occupancy And Equipment
4.78
+4.34%
4.58
+4.21%
4.40
+8.09%
4.07
Other Non Interest Expense
11.93
+3.49%
11.53
+17.05%
9.85
-3.90%
10.25
Professional Expense And Contract Services Expense
2.52
+18.33%
2.13
-7.30%
2.30
+4.50%
2.20
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,239.02
+1.87%
2,197.84
+19.71%
1,836.04
+8.03%
1,699.58
Cash And Cash Equivalents
128.72
-37.24%
205.11
+598.40%
29.37
-62.76%
78.87
Cash Financial
22.45
+13.09%
19.85
+1.76%
19.50
+9.07%
17.88
Other Short Term Investments
101.09
-66.46%
301.40
-36.21%
472.50
-2.94%
486.84
Net PPE
30.79
-7.09%
33.15
-0.23%
33.22
-7.81%
36.04
Gross PPE
52.74
-0.80%
53.16
-0.32%
53.33
-3.29%
55.15
Accumulated Depreciation
-21.94
-9.62%
-20.02
+0.45%
-20.11
-5.23%
-19.11
Land And Improvements
3.83
-2.59%
3.94
+9.09%
3.61
-0.28%
3.62
Buildings And Improvements
34.27
-1.75%
34.88
+2.75%
33.95
-5.05%
35.75
Machinery Furniture Equipment
10.98
+7.20%
10.24
-7.71%
11.10
+13.62%
9.77
Other Properties
3.66
-10.94%
4.11
-12.26%
4.68
-22.13%
6.01
Goodwill And Other Intangible Assets
9.02
+0.00%
9.02
+0.00%
9.02
+0.00%
9.02
Goodwill
9.02
+0.00%
9.02
+0.00%
9.02
+0.00%
9.02
Investments And Advances
101.09
-66.48%
301.57
-36.23%
472.93
-2.94%
487.25
Total Liabilities Net Minority Interest
2,063.78
+0.52%
2,053.12
+20.50%
1,703.90
+7.48%
1,585.38
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
130.00
—
Current Debt
—
0.00
-100.00%
130.00
—
Other Current Borrowings
—
0.00
-100.00%
130.00
—
Long Term Debt And Capital Lease Obligation
214.69
-4.14%
223.96
+814.99%
24.48
-5.01%
25.77
Long Term Debt
210.84
-4.03%
219.70
+1017.44%
19.66
+0.19%
19.62
Long Term Capital Lease Obligation
3.84
-9.92%
4.26
-11.48%
4.82
-21.61%
6.14
Stockholders Equity
175.24
+21.09%
144.72
+9.52%
132.14
+15.71%
114.20
Common Stock Equity
175.24
+21.09%
144.72
+9.52%
132.14
+15.71%
114.20
Capital Stock
4.71
+0.00%
4.71
+0.00%
4.71
+0.00%
4.71
Common Stock
4.71
+0.00%
4.71
+0.00%
4.71
+0.00%
4.71
Share Issued
4.71
+0.00%
4.71
+0.00%
4.71
+0.00%
4.71
Ordinary Shares Number
4.48
+1.21%
4.43
+1.28%
4.37
-0.44%
4.39
Treasury Shares Number
0.23
-18.97%
0.28
-16.52%
0.34
+5.98%
0.32
Additional Paid In Capital
43.93
+0.32%
43.79
+0.33%
43.65
+0.25%
43.53
Retained Earnings
154.84
+11.03%
139.46
+4.08%
133.99
+6.43%
125.89
Gains Losses Not Affecting Retained Earnings
-21.59
+39.20%
-35.51
+13.27%
-40.94
+20.17%
-51.29
Treasury Stock
6.66
-14.02%
7.74
-16.53%
9.27
+7.16%
8.65
Other Equity Adjustments
-21.59
+39.20%
-35.51
+13.27%
-40.94
+20.17%
-51.29
Total Equity Gross Minority Interest
175.24
+21.09%
144.72
+9.52%
132.14
+15.71%
114.20
Total Capitalization
386.09
+5.95%
364.42
+140.07%
151.80
+13.43%
133.82
Invested Capital
386.09
+5.95%
364.42
+29.32%
281.80
+110.58%
133.82
Total Debt
214.69
-4.14%
223.96
+44.98%
154.48
+499.51%
25.77
Net Debt
82.12
+463.00%
14.59
-87.87%
120.29
—
Capital Lease Obligations
3.84
-9.92%
4.26
-11.48%
4.82
-21.61%
6.14
Net Tangible Assets
166.23
+22.50%
135.70
+10.22%
123.12
+17.06%
105.18
Tangible Book Value
166.23
+22.50%
135.70
+10.22%
123.12
+17.06%
105.18
Available For Sale Securities
—
0.17
-61.12%
0.43
+3.89%
0.41
Cash Cash Equivalents And Federal Funds Sold
137.62
-35.66%
213.89
+573.79%
31.74
-60.08%
79.52
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
25.44
+16.95%
21.75
-18.11%
26.57
+5.23%
25.24
Cash Flow From Continuing Operating Activities
25.44
+16.95%
21.75
-18.11%
26.57
+5.23%
25.24
Net Income From Continuing Operations
21.23
+91.24%
11.10
-18.38%
13.60
-8.97%
14.94
Depreciation Amortization Depletion
2.15
+2.68%
2.09
+3.67%
2.02
+40.29%
1.44
Depreciation And Amortization
2.15
+2.68%
2.09
+3.67%
2.02
+40.29%
1.44
Other Non Cash Items
0.42
-66.34%
1.24
-55.36%
2.77
-63.21%
7.53
Pension And Employee Benefit Expense
-1.00
0.00
—
—
Stock Based Compensation
0.82
+29.18%
0.63
+31.26%
0.48
+4.55%
0.46
Deferred Tax
-0.75
-58.77%
-0.47
-141.49%
1.14
-2.73%
1.17
Deferred Income Tax
-0.75
-58.77%
-0.47
-141.49%
1.14
-2.73%
1.17
Operating Gains Losses
-1.67
-145.16%
3.70
+302.39%
0.92
+231.99%
-0.70
Gain Loss On Investment Securities
0.00
-100.00%
4.27
+281.32%
1.12
+1129.67%
0.09
Unrealized Gain Loss On Investment Securities
0.01
+103.35%
-0.21
-1206.25%
-0.02
-123.19%
0.07
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
0.35
-79.21%
1.69
-42.24%
2.93
+1036.42%
-0.31
Change In Other Working Capital
-0.47
-2.63%
-0.46
-2.01%
-0.45
-2.75%
-0.44
Change In Other Current Assets
1.20
+11.14%
1.08
+301.69%
-0.53
+32.83%
-0.80
Change In Other Current Liabilities
-0.38
-135.04%
1.07
-72.58%
3.91
+326.25%
0.92
Investing Cash Flow
-107.02
+41.95%
-184.37
-3.42%
-178.27
-87.54%
-95.06
Cash Flow From Continuing Investing Activities
-107.02
+41.95%
-184.37
-3.42%
-178.27
-87.54%
-95.06
Capital Expenditure
-0.87
+66.26%
-2.57
-414.43%
-0.50
+95.92%
-12.22
Capital Expenditure Reported
-0.87
+66.26%
-2.57
-414.43%
-0.50
+95.92%
-12.22
Net Investment Purchase And Sale
72.65
+286.12%
-39.03
-276.18%
22.16
+183.11%
-26.66
Purchase Of Investment
0.00
+100.00%
-136.27
-171.17%
-50.25
+42.38%
-87.21
Sale Of Investment
72.65
-25.28%
97.23
+34.28%
72.41
+19.58%
60.55
Net Other Investing Changes
-0.12
+97.91%
-5.84
-237.49%
-1.73
-1061.74%
-0.15
Financing Cash Flow
5.69
-98.34%
343.08
+212.06%
109.94
+371.87%
-40.44
Cash Flow From Continuing Financing Activities
5.69
-98.34%
343.08
+212.06%
109.94
+371.87%
-40.44
Net Issuance Payments Of Debt
-9.00
-112.86%
70.00
-46.15%
130.00
0.00
Issuance Of Debt
0.00
-100.00%
200.00
0.00
—
Repayment Of Debt
-9.00
0.00
—
—
Long Term Debt Issuance
0.00
-100.00%
200.00
0.00
—
Long Term Debt Payments
-9.00
0.00
—
—
Net Long Term Debt Issuance
-9.00
-104.50%
200.00
0.00
—
Net Short Term Debt Issuance
0.00
+100.00%
-130.00
-200.00%
130.00
0.00
Net Common Stock Issuance
0.12
-86.88%
0.92
+188.74%
-1.04
+45.83%
-1.92
Common Stock Payments
-1.10
-33.49%
-0.83
+65.46%
-2.39
+28.19%
-3.33
Common Stock Dividend Paid
-5.84
-3.84%
-5.63
-0.61%
-5.59
+1.11%
-5.66
Cash Dividends Paid
-5.84
-3.84%
-5.63
-0.61%
-5.59
+1.11%
-5.66
Repurchase Of Capital Stock
-1.10
-33.49%
-0.83
+65.46%
-2.39
+28.19%
-3.33
Proceeds From Stock Option Exercised
0.29
+134.43%
0.12
+159.57%
0.05
-2.08%
0.05
Changes In Cash
-75.89
-142.05%
180.47
+532.18%
-41.76
+62.12%
-110.25
Beginning Cash Position
203.61
+779.92%
23.14
-64.34%
64.90
-62.95%
175.15
End Cash Position
127.72
-37.27%
203.61
+779.92%
23.14
-64.34%
64.90
Free Cash Flow
24.58
+28.08%
19.19
-26.39%
26.07
+100.11%
13.03
Interest Paid Supplemental Data
45.56
+5.70%
43.10
+121.51%
19.46
+309.34%
4.75
Income Tax Paid Supplemental Data
—
1.86
+38.32%
1.34
+1427.27%
0.09
Common Stock Issuance
1.23
-29.96%
1.75
+29.08%
1.35
-4.31%
1.42
Issuance Of Capital Stock
1.23
-29.96%
1.75
+29.08%
1.35
-4.31%
1.42
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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