Franklin Financial Services Corporation (FRAF) — Stock Score Summary

Franklin Financial Services Corporation (FRAF) has a MoatMap StockRank of 72/100 based on Quality (45/100), Value (37/100), and Momentum (74/100) factor scores. The current signal is BUY. Franklin Financial is a micro-cap local bank with no relevance to our global macro themes and insufficient liquidity.

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$61.13
Market Cap$263M
P/E (TTM)10.86
P/E (Forward)8.95
Price/Book1.46
Return on Equity14.5%
Gross Margin0.0%
Operating Margin37.2%
Revenue Growth22.0%
Dividend Yield2.4%

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 72/100, with a Buy signal. It is a composite of Quality (45), Value (37), and Momentum (74) factor ranks across MoatMap’s 19,000+ stock universe.
Does Franklin Financial Services Corporation have an economic moat?
Franklin Financial Services Corporation (FRAF) has a Quality factor score of 45/100. 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 72/100. 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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