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FRAF

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Franklin Financial Services Corporation · Financial Services · United States · $279M · Avg Vol: $2M/d

75
StockRank
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Q
59
V
46
M
65
P/E (TTM)
11.7x
ROE
14.4%
D/E
1.2x
Dividend %
2.1%
Dir. Trades · 180d
+$3K · −$80.8K →
Buybacks · 180d
$1.2M →
AI CONVICTION THESIS

Franklin Financial has strong momentum at M72 with a buyback on file, but value at V47 is below the calibrated floor and quality Q60 is offset, so stage one fails. Insiders sold 0.03% with no usable offsetting purchase, which is separately adverse.

COMPANY DESCRIPTION

Franklin Financial Services Corporation operates as the holding company for F&M Trust, a community bank offering a comprehensive range of retail and commercial banking services to individuals and businesses. Its competitive moat is built on strong local relationships, personalized customer service, and an established presence within its specific Pennsylvania markets. This regional institution emphasizes community-centric banking, fostering deep customer loyalty.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue61.1M65.4M67.3M69.9M87.4M9.4%91.3M98.8M105.3M9.7%
EPS4.443.383.112.514.741.6%5.485.796.5918.0%
Shares4.7M4.4M4.4M4.4M4.5M-4.9%4.5M———
Debt24.4M25.8M154.5M224.0M214.7M72.1%215.1M———
Equity157.1M114.2M132.1M144.7M175.2M2.8%————
Op CF26.3M25.2M26.6M21.8M25.4M-0.9%42.3M———
Inv CF-133.9M-95.1M-178.3M-184.4M-107.0M—————
Fin CF225.6M-40.4M109.9M343.1M5.7M—————
Loading 1Y...
PRICE (1Y)+0.3%
61.2462.0062.7563.5164.26Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$63.28
RSI (14)
59.2
52W High
$65.41
From 52W High
1.0%

SCORE BREAKDOWN

Quality
59
ROIC (ROA)
1.1%*38.1
ROE
14.4%72.2
GP/Assets
4.1%N/A
Op. Margin
37.7%54.5
FCF/Assets
1.8%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
1.23xN/A
Current Ratio
bankN/A
Value
46
P/E (TTM)
11.7x58.0
EV/EBITDA
bankN/A
P/FCF
7.0xN/A
P/B
1.6x35.4
P/S
3.2x58.6
Div Yield
2.1%26.6
Momentum
65
52W High %
97%83.6
RS 6M
17%81.6
SMA 50/200
1.13x79.5
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+1.7%62.4
EPS Improve
+20%49.7
Q Growth
12%42.2

FUNDAMENTALS

Market Cap
$279M
P/E (Forward)
9.8x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FRAF are excluded.

TickerCompanyMkt CapStockRankSignal
FRAFFranklin Financial Services Corporation(you)$279M75Buy
ATLOAmes National Corporation$280M74Buy
NKSHNational Bankshares, Inc.$261M75Buy
FUNCFirst United Corporation$279M74Buy
CBNAChain Bridge Bancorp, Inc.$300M77Buy
PEBKPeoples Bancorp of North Carolina, Inc.$233M75Buy
LCNBLCNB Corp.$277M71Buy
NEWTNewtekOne, Inc.$344M73Buy
FCCOFirst Community Corporation$316M71Buy
FVCBFVCBankcorp, Inc.$329M70Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Franklin Financial Services Corporation (FRAF): Stock Score Summary

Franklin Financial Services Corporation (FRAF) has a MoatMap StockRank of 75/100 based on Quality (59/100), Value (46/100), and Momentum (65/100) factor scores. The current signal is BUY. Franklin Financial has strong momentum at M72 with a buyback on file, but value at V47 is below the calibrated floor and quality Q60 is offset, so stage one fails. Insiders sold 0.03% with no usable offsetting purchase, which is separately adverse.

Franklin Financial Services Corporation operates as the holding company for F&M Trust, a community bank offering a comprehensive range of retail and commercial banking services to individuals and businesses. Its competitive moat is built on strong local relationships, personalized customer service, and an established presence within its specific Pennsylvania markets. This regional institution emphasizes community-centric banking, fostering deep customer loyalty.

Key Financial Metrics

Price$63.28
Market Cap$279M
P/E (TTM)11.73
P/E (Forward)9.75
Price/Book1.57
Return on Equity14.4%
Debt/Equity1.23x
Operating Margin37.7%
Revenue Growth5.3%
Dividend Yield2.1%
Free Cash Flow$40M

Franklin Financial Services Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Franklin Financial Services Corporation’s (FRAF) StockRank?
MoatMap’s StockRank for Franklin Financial Services Corporation (FRAF) is 75/100, with a Buy signal. It is a composite of Quality (59), Value (46), and Momentum (65) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Franklin Financial Services Corporation have an economic moat?
Franklin Financial Services Corporation (FRAF) has a Quality factor score of 59/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Franklin Financial Services Corporation a buy, hold, or sell?
MoatMap’s current signal for Franklin Financial Services Corporation (FRAF) is Buy, based on a StockRank of 75/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Franklin Financial Services Corporation in?
Franklin Financial Services Corporation (FRAF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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