FRAF - Franklin Financial Services Corp Stock Price, Fair Value and News

26.57USD+0.02 (+0.08%)Delayed

Market Summary

USD26.57+0.02

Delayed

0.08%

FRAF Alerts

3 major insider buys recently.

FRAF Stock Price

View Fullscreen

FRAF RSI Chart

FRAF Valuation

Market Cap

116.8M

Price/Earnings (Trailing)

8.55

Price/Sales (Trailing)

1.39

EV/EBITDA

-0.91

Price/Free Cashflow

4.47

FRAF Price/Sales (Trailing)

FRAF Profitability

EBT Margin

19.32%

Return on Equity

10.18%

Return on Assets

0.68%

Free Cashflow Yield

22.39%

FRAF Fundamentals

FRAF Revenue

Revenue (TTM)

84.0M

Rev. Growth (Yr)

43.57%

Rev. Growth (Qtr)

10.66%

FRAF Earnings

Earnings (TTM)

13.7M

Earnings Growth (Yr)

2.1%

Earnings Growth (Qtr)

-3.17%

Breaking Down FRAF Revenue

Last 7 days

-2.8%

Last 30 days

0.3%

Last 90 days

1.2%

Trailing 12 Months

4.2%

How does FRAF drawdown profile look like?

FRAF Financial Health

FRAF Investor Care

Dividend Yield

4.82%

Dividend/Share (TTM)

1.28

Shares Dilution (1Y)

0.32%

Diluted EPS (TTM)

3.12

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	84.0M	0	0	0
2023	61.5M	67.1M	72.2M	76.8M
2022	47.5M	48.8M	51.6M	56.4M
2021	45.9M	46.2M	47.3M	47.6M
2020	48.9M	47.7M	46.2M	45.9M
2019	46.4M	47.7M	49.0M	49.2M
2018	40.8M	41.9M	43.4M	44.9M
2017	37.4M	38.4M	39.1M	39.9M
2016	35.2M	35.6M	36.2M	37.0M
2015	34.7M	34.6M	34.5M	34.6M
2014	35.5M	35.4M	35.3M	34.8M
2013	38.3M	37.2M	36.4M	36.0M
2012	41.4M	41.0M	40.3M	39.1M
2011	42.7M	42.3M	41.7M	41.8M
2010	0	43.6M	43.4M	43.3M
2009	0	0	0	43.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Franklin Financial Services Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 03, 2024	duffey gregory a	bought	58,000	29.00	2,000	-
May 01, 2024	jennings allan e jr	bought	30,140	30.14	1,000	-
May 01, 2024	rzomp kimberly	bought	15,070	30.14	500	-
Apr 29, 2024	carroll charles benner jr	bought	1,518	30.36	50.00	coo
Mar 25, 2024	elliott g warren	acquired	2,358	26.2	90.00	-
Mar 25, 2024	duffey gregory a	acquired	4,742	26.2	181	-
Mar 25, 2024	fisher daniel j	acquired	10,480	26.2	400	-
Mar 25, 2024	jennings allan e jr	acquired	5,213	26.2	199	-
Mar 25, 2024	snook gregory i	acquired	5,213	26.2	199	-
Mar 25, 2024	craig kevin w	acquired	10,480	26.2	400	-

Which funds bought or sold FRAF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	new	-	420,720	420,720	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.72	-247,276	1,535,420	0.03%
May 15, 2024	Royal Bank of Canada	added	0.08	-75,000	365,000	-%
May 15, 2024	RBF Capital, LLC	unchanged	-	-160,500	786,000	0.04%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	reduced	-2.58	-59,261	250,970	-%
May 15, 2024	683 Capital Management, LLC	sold off	-100	-205,012	-	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	0.2	-2,703	13,388	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-72.28	-154,110	46,076	-%
May 15, 2024	MORGAN STANLEY	reduced	-8.84	-157,875	491,803	-%
May 15, 2024	STATE STREET CORP	added	7.38	-41,663	343,089	-%

Are Funds Buying or Selling FRAF?

Are funds buying FRAF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own FRAF

No. of Funds

FRAF Alerts

3 major insider buys recently.

Unveiling Franklin Financial Services Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	9.95%	433,850	SC 13G/A
Feb 14, 2023	fourthstone llc	7.14%	313,109	SC 13G
Jul 12, 2021	blackrock inc.	0.3%	13,681	SC 13G/A
Feb 02, 2021	blackrock inc.	5.4%	235,207	SC 13G
Feb 14, 2020	m3 partners lp	1.49%	64,707	SC 13G/A

Recent SEC filings of Franklin Financial Services Corp

View All Filings

Date Filed	Form Type	Document
May 15, 2024	4	Insider Trading
May 15, 2024	8-K	Current Report
May 08, 2024	10-Q	Quarterly Report
May 07, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
Apr 30, 2024	4	Insider Trading
Apr 26, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report

Peers (Alternatives to Franklin Financial Services Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Franklin Financial Services Corp News

Latest updates

Franklin Financial Services Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	10.7%	24.00	22.00	20.00	19.00	17.00	17.00	15.00	13.00	12.00	12.00	12.00	12.00	12.00	12.00	11.00	11.00	12.00	12.00	13.00	12.00	12.00
EBITDA Margin	-7.0%	0.87*	0.93*	1.00*	1.10*	1.18*	1.25*	1.30*	1.34*	1.40*	1.45*	1.47*	1.42*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.5%	14.00	14.00	14.00	13.00	13.00	15.00	14.00	12.00	11.00	11.00	12.00	11.00	11.00	11.00	10.00	10.00	10.00	10.00	11.00	11.00	10.00
Income Taxes	8.1%	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00	1.00	1.00	-0.94	-0.11	1.00	1.00	1.00	0.00
Earnings Before Taxes	-1.6%	4.00	4.00	5.00	4.00	4.00	4.00	6.00	4.00	3.00	4.00	7.00	6.00	6.00	5.00	4.00	2.00	2.00	5.00	5.00	5.00	4.00
EBT Margin	-5.9%	0.19*	0.21*	0.22*	0.25*	0.29*	0.31*	0.34*	0.38*	0.44*	0.48*	0.51*	0.46*	-	-	-	-	-	-	-	-	-
Net Income	-3.2%	3.00	3.00	4.00	3.00	3.00	4.00	5.00	4.00	3.00	4.00	6.00	5.00	5.00	5.00	3.00	3.00	2.00	4.00	4.00	4.00	3.00
Net Income Margin	-8.1%	0.16*	0.18*	0.19*	0.22*	0.25*	0.26*	0.29*	0.33*	0.37*	0.41*	0.43*	0.39*	-	-	-	-	-	-	-	-	-
Free Cashflow	23.3%	7.00	6.00	7.00	6.00	8.00	7.00	8.00	5.00	4.00	2.00	12.00	2.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	9.6%	2,012	1,836	1,828	1,736	1,711	1,700	1,847	1,832	1,767	1,774	1,732	1,678	1,598	1,535	1,511	1,423	1,262	1,269	1,302	1,252	1,213
Cash Equivalents	689.0%	183	23.00	74.00	65.00	87.00	65.00	210	198	174	175	99.00	98.00	108	57.00	71.00	59.00	53.00	84.00	150	82.00	47.00
Net PPE	1.2%	29.00	29.00	29.00	29.00	30.00	30.00	29.00	27.00	23.00	19.00	18.00	11.00	13.00	13.00	13.00	14.00	14.00	14.00	13.00	13.00	13.00
Goodwill	0%	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00
Liabilities	10.2%	1,877	1,704	1,713	1,616	1,588	1,585	1,739	1,710	1,630	1,617	1,580	1,527	1,457	1,390	1,372	1,288	1,133	1,142	1,176	1,128	1,091
Short Term Borrowings	-100.0%	-	40.00	70.00	70.00	50.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	1.6%	134	132	115	120	124	114	108	122	137	157	153	151	141	145	140	135	129	128	126	124	121
Retained Earnings	1.5%	136	134	132	129	128	126	124	120	118	117	114	110	106	103	99.00	97.00	95.00	95.00	92.00	89.00	86.00
Additional Paid-In Capital	-0.4%	43.00	44.00	44.00	43.00	43.00	44.00	43.00	43.00	43.00	43.00	43.00	43.00	43.00	43.00	43.00	42.00	42.00	42.00	42.00	42.00	42.00
Shares Outstanding	0.5%	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	108	-	-	-	120	-	-	-	128	-	-	-	103	-	-	-	153	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	23.3%	7,304	5,923	7,257	5,668	7,717	7,498	8,460	4,840	4,446	2,479	11,783	1,638	10,449	4,060	-197	81.00	2,491	4,400	6,057	4,289	4,220
Share Based Compensation	11.1%	130	117	113	118	135	110	131	151	70.00	43.00	46.00	67.00	48.00	56.00	55.00	55.00	31.00	-	-	-	-
Cashflow From Investing	60.8%	-18,112	-46,185	-91,315	-55,482	14,715	2,375	-20,072	-60,559	-16,799	34,808	-62,899	-80,404	-25,443	-35,069	-69,304	-149,830	-23,111	-35,481	17,854	-3,089	-2,765
Cashflow From Financing	1713.5%	170,238	-10,551	93,179	28,083	-768	-155,130	23,499	80,279	10,913	38,969	51,878	69,275	65,470	16,995	82,062	154,998	-9,858	-35,225	43,776	34,214	-7,379
Dividend Payments	0.1%	1,399	1,397	1,392	1,401	1,405	1,404	1,406	1,427	1,421	1,419	1,414	1,373	1,318	1,312	1,306	1,302	1,306	1,304	1,302	1,317	1,192
Buy Backs	-	39.00	-	-	2,078	316	670	1,203	1,441	20.00	88.00	386	706	13.00	-1.00	-	-	1,172	3.00	1,839	1,444	560

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

FRAF Income Statement

2024-03-31

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest income
Loans, including fees	$ 17,222	$ 12,336
Interest and dividends on investments:
Taxable interest	3,913	3,451
Tax exempt interest	275	365
Dividend income	45	8
Interest-earning deposits in other banks	2,354	423
Total interest income	23,809	16,583
Interest expense
Deposits	6,504	3,429
Federal Reserve Bank borrowings	961	51
FHLB advances	2,527
Subordinate notes	264	266
Total interest expense	10,256	3,746
Net interest income	13,553	12,837
Provision for credit losses - loans	490	467
Provision for credit losses - unfunded commitments	(38)	62
Total provision for credit losses	452	529
Net interest income after credit loss expense	13,101	12,308
Noninterest income
Wealth management fees	2,026	1,834
Loan service charges	206	302
Gain on sale of loans	58	73
Deposit service charges and fees	613	583
Other service charges and fees	488	432
Debit card income	536	502
Increase in cash surrender value of life insurance	112	108
Net losses on sales of debt securities		(602)
Change in fair value of equity securities	(41)	(24)
Other	190	17
Total noninterest income	4,188	3,225
Noninterest Expense
Salaries and employee benefits	7,727	6,936
Net occupancy	1,182	1,110
Marketing and advertising	519	519
Legal and professional	516	552
Data processing	1,423	1,060
Pennsylvania bank shares tax	125	223
FDIC Insurance	322	182
ATM/debit card processing	323	294
Telecommunications	111	100
Nonservice pension	(29)	(29)
Other	1,085	1,072
Total noninterest expense	13,304	12,019
Income before federal income taxes	3,985	3,514
Federal income tax expense	624	222
Net income	$ 3,361	$ 3,292
Per share
Basic earnings per share	$ 0.77	$ 0.75
Diluted earnings per share	$ 0.77	$ 0.75

FRAF Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 21,779	$ 19,505
Short-term interest-earning deposits in other banks	160,791	3,635
Total cash and cash equivalents	182,570	23,140
Long-term interest-earning deposits in other banks	3,989	6,229
Debt securities available for sale, at fair value	462,951	472,503
Equity securities	386	427
Restricted stock	10,295	2,375
Loans held for sale	281	213
Loans	1,277,595	1,256,985
Allowance for credit losses	(16,533)	(16,052)
Net Loans	1,261,062	1,240,933
Premises and equipment, net	28,897	28,543
Right of use asset	4,536	4,680
Bank owned life insurance	22,390	22,758
Goodwill	9,016	9,016
Deferred tax asset, net	11,880	11,801
Other assets	13,361	13,421
Total assets	2,011,614	1,836,039
Deposits
Noninterest-bearing checking	291,893	273,050
Money management, savings, and interest checking	1,095,510	1,132,482
Time	171,909	132,446
Total deposits	1,559,312	1,537,978
Lease liability	4,678	4,816
Other liabilities	13,715	11,448
Total liabilities	1,877,377	1,703,903
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,972 shares issued and 4,393,873 shares outstanding at March 31, 2024 and 4,710,972 shares issued and 4,371,231 shares outstanding at December 31, 2023	4,711	4,711
Capital stock no par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	43,459	43,646
Retained earnings	135,955	133,993
Accumulated other comprehensive loss	(41,234)	(40,940)
Treasury stock, 317,099 shares at March 31, 2024 and 339,741 shares at December 31, 2023, at cost	(8,654)	(9,274)
Total shareholders' equity	134,237	132,136
Total liabilities and shareholders' equity	2,011,614	1,836,039
Federal Reserve Bank Borrowings [Member]
Deposits
Debt	40,000	90,000
Federal Home Loan Bank (FHLB) Advances [Member]
Deposits
Debt	240,000	40,000
Subordinated Notes [Member]
Deposits
Debt	$ 19,672	$ 19,661

About Franklin Financial Services Corp

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. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

CEO	Mr. Timothy G. Henry
WEBSITE	franklinfin.com
INDUSTRY	Banks Diversified
EMPLOYEES	298

Franklin Financial Services Corp Frequently Asked Questions

What is the ticker symbol for Franklin Financial Services Corp? What does FRAF stand for in stocks?

FRAF is the stock ticker symbol of Franklin Financial Services Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Franklin Financial Services Corp (FRAF)?

As of Fri May 17 2024, market cap of Franklin Financial Services Corp is 116.79 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of FRAF stock?

You can check FRAF's fair value in chart for subscribers.

What is the fair value of FRAF stock?

You can check FRAF's fair value in chart for subscribers. The fair value of Franklin Financial Services Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Franklin Financial Services Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for FRAF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Franklin Financial Services Corp a good stock to buy?

The fair value guage provides a quick view whether FRAF is over valued or under valued. Whether Franklin Financial Services Corp is cheap or expensive depends on the assumptions which impact Franklin Financial Services Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for FRAF.

What is Franklin Financial Services Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, FRAF's PE ratio (Price to Earnings) is 8.55 and Price to Sales (PS) ratio is 1.39. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. FRAF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Franklin Financial Services Corp's stock?

In the past 10 years, Franklin Financial Services Corp has provided 0.076 (multiply by 100 for percentage) rate of return.