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FRAF

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

26.31USD+0.31 (+1.19%)Delayed as of 28 Mar 2024, 09:58 am ET

Market Summary

FRAF
USD26.31+0.31
Delayedas of 28 Mar 2024, 09:58 am
1.19%

FRAF Stock Price

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FRAF RSI Chart

FRAF Valuation

Market Cap

114.0M

Price/Earnings (Trailing)

8.38

Price/Sales (Trailing)

1.48

EV/EBITDA

1.26

Price/Free Cashflow

4.29

FRAF Price/Sales (Trailing)

FRAF Profitability

EBT Margin

20.52%

Return on Equity

10.29%

Return on Assets

0.74%

Free Cashflow Yield

23.31%

FRAF Fundamentals

FRAF Revenue

Revenue (TTM)

76.8M

Rev. Growth (Yr)

26.59%

Rev. Growth (Qtr)

6.75%

FRAF Earnings

Earnings (TTM)

13.6M

Earnings Growth (Yr)

-6.62%

Earnings Growth (Qtr)

-10.05%

Breaking Down FRAF Revenue

52 Week Range

23.9631.00
(Low)(High)

Last 7 days

-1.1%

Last 30 days

-0.2%

Last 90 days

-16.6%

Trailing 12 Months

-17.7%

How does FRAF drawdown profile look like?

FRAF Financial Health

FRAF Investor Care

Dividend Yield

4.92%

Dividend/Share (TTM)

1.28

Buy Backs (1Y)

0.34%

Diluted EPS (TTM)

3.1

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202361.5M67.1M72.2M76.8M
202247.5M48.8M51.6M56.4M
202145.9M46.2M47.3M47.6M
202048.9M47.7M46.2M45.9M
201946.4M47.7M49.0M49.2M
201840.8M41.9M43.4M44.9M
201737.4M38.4M39.1M39.9M
201635.2M35.6M36.2M37.0M
201534.7M34.6M34.5M34.6M
201435.5M35.4M35.3M34.8M
201338.3M37.2M36.4M36.0M
201241.4M41.0M40.3M39.1M
201142.7M42.3M41.7M41.8M
2010043.6M43.4M43.3M
200900043.8M

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

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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
-
Mar 21, 2024
fisher daniel j
acquired
-
-
500
-
Mar 21, 2024
weaver matthew d
acquired
-
-
620
svp
Mar 21, 2024
kerlin stanley j
acquired
-
-
500
-
Mar 21, 2024
henry timothy g
acquired
-
-
2,000
ceo

1–10 of 50

Which funds bought or sold FRAF recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 22, 2024
PNC FINANCIAL SERVICES GROUP, INC.
unchanged
-
92.00
947
-%
Mar 11, 2024
VANGUARD GROUP INC
reduced
-51.04
-3,900,400
4,615,580
-%
Feb 15, 2024
BARCLAYS PLC
sold off
-100
-10,000
-
-%
Feb 14, 2024
MILLENNIUM MANAGEMENT LLC
reduced
-20.04
-40,262
310,231
-%
Feb 14, 2024
Royal Bank of Canada
added
0.06
43,000
440,000
-%
Feb 14, 2024
BRIDGEWAY CAPITAL MANAGEMENT, LLC
added
4.25
238,001
1,782,700
0.04%
Feb 14, 2024
LOGAN CAPITAL MANAGEMENT INC
unchanged
-
123,678
1,279,350
0.06%
Feb 14, 2024
RBF Capital, LLC
unchanged
-
91,500
946,500
0.06%

1–10 of 40

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

Unveiling Franklin Financial Services Corp's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm 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
Mar 27, 2024
8-K
Current Report
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading

Peers (Alternatives to Franklin Financial Services Corp)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
574.7B
171.1B
9.83% 42.39%
11.6
3.36
60.72% 31.52%
297.7B
130.3B
8.68% 33.18%
11.23
2.29
79.51% -3.68%
206.2B
85.7B
10.06% 39.05%
10.77
2.41
41.49% 39.96%
120.0B
133.3B
10.88% 37.45%
13
0.9
79.09% -
16.4B
10.2B
11.38% -2.76%
10.23
1.61
44.53% -22.43%
14.6B
7.9B
6.82% 30.36%
15.11
1.84
46.47% -49.56%
MID-CAP
7.2B
4.2B
2.60% 18.49%
8.16
1.72
56.25% -23.46%
6.4B
3.9B
0.02% 35.77%
9.4
1.62
45.91% -25.03%
3.3B
1.3B
-0.91% 7.40%
12.35
2.6
43.24% -22.35%
3.2B
2.0B
-1.30% -0.93%
17.55
1.64
70.97% -50.03%
SMALL-CAP
509.4M
120.2M
2.72% 45.71%
19.47
4.24
25.23% -24.02%
428.7M
164.9M
-6.65% 19.35%
36.65
2.6
42.66% -70.76%
411.8M
162.6M
-0.86% -7.25%
13.69
2.53
25.39% -38.37%
313.8M
96.6M
-6.16% 2.24%
9.9
3.25
11.02% -11.37%
46.8M
60.9M
-6.19% -32.56%
-13.99
0.77
24.06% -144.92%

Franklin Financial Services Corp News

Latest updates
Defense World • 8 hours ago
Stock Traders Daily • 22 Mar 2024 • 10:48 pm

Franklin Financial Services Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue6.8%22.0020.0019.0017.0017.0015.0013.0012.0012.0012.0012.0012.0012.0011.0011.0012.0012.0013.0012.0012.0012.00
EBITDA Margin-6.1%0.94*1.00*1.10*1.18*1.25*1.30*1.34*1.40*1.45*1.47*1.42*1.33*---------
Interest Expenses-100.0%-14.0013.0013.0015.0014.0012.0011.0011.0012.0011.0011.0011.0010.0010.0010.0010.0011.0011.0010.0011.00
Income Taxes-26.7%1.001.001.000.001.001.001.000.001.001.001.001.001.001.00-0.94-0.111.001.001.000.001.00
Earnings Before Taxes-12.9%4.005.004.004.004.006.004.003.004.007.006.006.005.004.002.002.005.005.005.004.004.00
EBT Margin-7.8%0.21*0.22*0.25*0.29*0.31*0.34*0.38*0.44*0.48*0.51*0.46*0.37*---------
Net Income-10.1%3.004.003.003.004.005.004.003.004.006.005.005.005.003.003.002.004.004.004.003.004.00
Net Income Margin-7.6%0.18*0.19*0.22*0.25*0.26*0.29*0.33*0.37*0.41*0.43*0.39*0.35*---------
Free Cashflow-18.4%6.007.006.008.007.008.005.004.002.0012.002.0010.00---------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets0.4%1,8361,8281,7361,7111,7001,8471,8321,7671,7741,7321,6781,5981,5351,5111,4231,2621,2691,3021,2521,2131,210
    Cash Equivalents-68.7%23.0074.0065.0087.0065.0021019817417599.0098.0010857.0071.0059.0053.0084.0015082.0047.0053.00
  Net PPE-1.7%29.0029.0029.0030.0030.0029.0027.0023.0019.0018.0011.0013.0013.0013.0014.0014.0014.0013.0013.0013.0014.00
  Goodwill-0.2%9.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.009.00
Liabilities-0.5%1,7041,7131,6161,5881,5851,7391,7101,6301,6171,5801,5271,4571,3901,3721,2881,1331,1421,1761,1281,0911,091
  Short Term Borrowings-100.0%-40.0070.0050.00-----------------
Shareholder's Equity15.1%132115120124114108122137157153151141145140135129128126124121118
  Retained Earnings1.6%13413212912812612412011811711411010610399.0097.0095.0095.0092.0089.0086.0084.00
  Additional Paid-In Capital0.3%44.0044.0043.0043.0044.0043.0043.0043.0043.0043.0043.0043.0043.0043.0042.0042.0042.0042.0042.0042.0042.00
Shares Outstanding0.2%4.004.004.004.004.004.004.004.004.004.004.004.00---------
Float-------120---128---103---153--
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations-18.4%5,9237,2575,6687,7177,4988,4604,8404,4462,47911,7831,63810,4494,060-19781.002,4914,4006,0574,2894,2207,325
  Share Based Compensation3.5%11711311813511013115170.0043.0046.0067.0048.0056.0055.0055.0031.00-----
Cashflow From Investing49.4%-46,185-91,315-55,48214,7152,375-20,072-60,559-16,79934,808-62,899-80,404-25,443-35,069-69,304-149,830-23,111-35,48117,854-3,089-2,765-8,983
Cashflow From Financing-111.3%-10,55193,17928,083-768-155,13023,49980,27910,91338,96951,87869,27565,47016,99582,062154,998-9,858-35,22543,77634,214-7,3799,838
  Dividend Payments0.4%1,3971,3921,4011,4051,4041,4061,4271,4211,4191,4141,3731,3181,3121,3061,3021,3061,3041,3021,3171,1921,188
  Buy Backs---2,0783166701,2031,44120.0088.0038670613.00-1.00--1,1723.001,8391,444560-

FRAF Income Statement

2023-12-31
Consolidated Statements Of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Interest income  
Loans, including fees$ 58,277$ 41,931
Interest and dividends on investments:  
Taxable interest14,7909,954
Tax exempt interest1,2322,060
Dividend income5621
Deposits and obligations of other banks2,4072,483
Total interest income76,76256,449
Interest expense  
Deposits18,8433,816
Federal Reserve Bank borrowings2,374 
FHLB advances857 
Subordinate notes1,0511,047
Total interest expense23,1254,863
Net interest income53,63751,586
Provision for credit losses2,589650
Provision for credit losses - unfunded commitments135 
Net interest income after provision for credit losses50,91350,936
Noninterest income  
Wealth management fees7,5127,152
Loan service charges811724
Gain on sale of loans199770
Deposit service charges and fees2,4922,527
Other service charges and fees1,8521,724
Debit card income2,1571,868
Increase in cash surrender value of life insurance448436
Net (losses) gains on sales of debt securities(1,119)(91)
Change in fair value of equity securities16(69)
Other483209
Total noninterest income14,85115,250
Noninterest Expense  
Salaries and employee benefits28,81328,094
Net occupancy4,3984,069
Marketing and advertising2,0711,915
Legal and professional2,3012,202
Data processing4,7924,751
Pennsylvania bank shares tax7451,148
FDIC Insurance851736
ATM/debit card processing1,2351,428
Telecommunications405396
Nonservice pension(117)567
Lease termination495 
Other4,0223,385
Total noninterest expense50,01148,691
Income before federal income taxes15,75317,495
Federal income tax expense2,1552,557
Net income$ 13,598$ 14,938
Per share  
Basic earnings per share$ 3.11$ 3.38
Diluted earnings per share$ 3.10$ 3.36

FRAF Balance Sheet

2023-12-31
Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash and due from banks$ 19,505$ 17,883
Short-term interest-earning deposits in other banks3,63547,016
Total cash and cash equivalents23,14064,899
Long-term interest-earning deposits in other banks6,22913,975
Debt securities available for sale, at fair value472,503486,836
Equity securities427411
Restricted stock2,375644
Loans held for sale213283
Loans1,256,9851,051,041
Allowance for loan losses(16,052)(14,175)
Net Loans1,240,9331,036,866
Premises and equipment, net28,54330,026
Right of use asset4,6806,010
Bank owned life insurance22,75822,311
Goodwill9,0169,016
Deferred tax asset, net11,80115,630
Other assets13,42112,672
Total assets1,836,0391,699,579
Deposits  
Non-interest bearing checking273,050299,231
Money management, savings and interest checking1,132,4821,194,827
Time132,44657,390
Total deposits1,537,9781,551,448
Subordinate notes19,66119,623
Lease liability4,8166,144
Other liabilities11,4488,167
Total liabilities1,703,9031,585,382
Commitments and contingent liabilities
Shareholders' equity  
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,972 shares issued and 4,371,231 shares outstanding at December 31, 2023 and 4,710,972 shares issued and 4,390,397 shares outstanding at December 31, 20224,7114,711
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital43,64643,535
Retained earnings133,993125,892
Accumulated other comprehensive (loss) income(40,940)(51,287)
Treasury stock, 339,741 shares at December 31, 2023 and 320,575 shares at December 31, 2022, at cost(9,274)(8,654)
Total shareholders' equity132,136114,197
Total liabilities and shareholders' equity1,836,039$ 1,699,579
Federal Reserve Bank [Member]  
Deposits  
Borrowings and advances90,000 
FHLB [Member]  
Deposits  
Borrowings and advances$ 40,000 
FRAF
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
 WEBSITEwww.franklinfin.com
 EMPLOYEES298

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 Wed Mar 27 2024, market cap of Franklin Financial Services Corp is 113.98 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 Wed Mar 27 2024, FRAF's PE ratio (Price to Earnings) is 8.38 and Price to Sales (PS) ratio is 1.48. 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.