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Franklin Financial Services Corp
Franklin Financial Services Corp (FRAF) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Chambersburg, United States. The company is worth $282.35M and trades at 11.5x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $88.82M in fiscal 2025, up 24.8% from the year before. Net income was $21.23M. The share price is 4.1% below its 52-week high of $65.41. It pays a dividend yielding 2.17%. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Cliff Asness (AQR Capital Management), at $884.92K. In that quarter, 1 of them reduced the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +91.9% over 5Y.
today you would have $2,318.82▲ +131.9%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $50.20 | $29.90 | $31.55 | $36.10 | $33.10 | $27.03 | $38.69 | $31.50 | $37.36 | $28.60 | $23.50 | $22.00 | $17.10 | $14.00 | $12.35 | $18.25 | $16.33 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 10.1% a year plus a 2.2% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 10.6 across this company’s own years on record.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| AXINAxiom Intelligence Acquisition Corp 1 | $10.36 | — | — | 0.00% | — | $282.48M |
| XCBEX3 Acquisition Corp. Ltd. | $10.03 | — | — | 0.00% | — | $282.09M |
| WLCOWilco 63 Corp | $9.83 | — | — | 0.00% | — | $282.61M |
| SAMOSamos Energy Acquisition Corp | $9.80 |
| 10.6x |
| 10.6x |
| 11.9x |
| 10.2x |
| 10.7x |
| 7.5x |
| 9.2x |
| 10.5x |
| 22.7x |
| 74.7x |
| 15.2x |
| 9.8x |
| 11.0x |
| 11.3x |
| 10.6x |
| 7.4x |
| 9.3x |
| 9.5x |
| P/S | 2.2x | 2.5x | 1.9x | 2.0x | 2.4x | 2.3x | 2.1x | 2.9x | 2.6x | 3.3x | 2.7x | 2.2x | 2.2x | 1.7x | 1.4x | 1.2x | 1.8x | — |
| P/B | 0.9x | 1.3x | 0.9x | 1.0x | 1.4x | 0.9x | 0.8x | 1.3x | 1.2x | 1.4x | 1.1x | 0.9x | 0.9x | 0.7x | 0.6x | 0.6x | 0.9x | — |
| EPS | $4.74 | $2.51 | $3.10 | $3.36 | $4.42 | $2.93 | $3.67 | $1.39 | $0.50 | $1.88 | $2.40 | $2.00 | $1.51 | $1.32 | $1.66 | $1.96 | $1.71 |
| Dividend yield | 3.78% | 2.61% | 4.28% | 4.06% | 3.55% | 3.78% | 4.44% | 3.02% | 3.33% | 2.41% | 2.87% | 3.15% | 3.09% | 3.98% | 5.57% | 8.74% | 5.92% | 6.61% |
| Payout | 43.62% | 27.64% | 51.00% | 41.29% | 38.10% | 28.28% | 40.96% | 31.88% | 75.54% | 180.00% | 43.62% | 30.83% | 34.00% | 45.03% | 59.09% | 65.06% | 55.10% | 63.16% |
| Profit margin | 18.93% | 23.90% | 15.59% | 19.85% | 22.35% | 30.57% | 22.44% | 28.00% | 11.50% | 4.39% | 17.45% | 22.73% | 19.66% | 14.95% | 12.86% | 15.33% | 18.93% | 17.35% |
| ROE | 8.36% | 12.11% | 7.67% | 10.29% | 13.08% | 12.49% | 8.82% | 12.64% | 5.17% | 1.89% | 6.94% | 9.16% | 8.12% | 6.53% | 5.85% | 7.53% | 9.21% | 8.36% |
Median of the years shown; P/E years above 200x are left out.
Dividend growing 1.4% a year against a 9.0% required return, from the stock’s beta.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
-32.6% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| — |
| — |
| 0.00% |
| — |
| $281.75M |
| QNBCQnb Corp | $45.70 | 13.6x | 1.2x | 3.41% | 9.04% | $283.77M |
| PAIIPyrophyte Acquisition Corp. II | $10.30 | — | — | 0.00% | — | $280.85M |