| Indicators | Browse All

Franklin Financial Services Corporation (FRAF)

Financial Services | Banks - Regional | Chambersburg, United States | NasdaqCM
62.91 USD -0.41 (-0.648%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)
After hours: 62.91

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 10:49 a.m. EDT

The immediate outlook remains neutral due to a lack of clear directional momentum; while the statistical model hints at a slight upward drift, the stock is trading near its 52-week highs with no significant volume surge to confirm a breakout. For the long term, the business shows solid resilience with a 14.4% return on equity and double-digit earnings growth, yet the multi-year price trajectory reveals a persistent struggle to maintain gains, evidenced by a trailing run of negative annual returns ending recently. This suggests the market continues to discount the company's operational improvements, likely due to sector-wide headwinds rather than internal failure. The dividend stands out as a key strength, offering a 2.14% yield backed by a very conservative payout ratio of roughly 24%, indicating ample room for future increases without risking capital erosion.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.011062
AutoETS0.011074
MSTL0.012410
AutoTheta0.028822

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 60%
H-stat 0.69
Ljung-Box p 0.001
Jarque-Bera p 0.434
Excess Kurtosis -0.85
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-06
Last Dividend Date 2026-08-06
Revenue per Share 20.376
Market Cap 283,068,704
Trailing P/E 11.54
Forward P/E 9.55
Beta -0.02
Profit Margins 26.98%
Website https://www.franklinfin.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.55% 2.54% 3.39% 3.69%
Dividend History
Date Dividend Yield %
2026-08-07 0.340000 0.545571
2026-05-01 0.340000 0.595030
2026-02-06 0.330000 0.686642
2025-11-07 0.330000 0.716457
2025-08-01 0.330000 0.845937
2025-05-02 0.330000 0.858257
2025-02-07 0.320000 0.875753
2024-11-01 0.320000 0.976503
2024-08-02 0.320000 0.988875
2024-05-01 0.320000 1.084746
2024-01-31 0.320000 0.990099
2023-11-02 0.320000 1.003135
2023-08-03 0.320000 1.084378
2023-05-04 0.320000 1.313629
2023-02-02 0.320000 0.960961
2022-11-01 0.320000 0.987654
2022-08-04 0.320000 1.000000
2022-05-05 0.320000 1.020083
2022-02-03 0.320000 0.948148
2021-11-04 0.320000 0.990712
2021-08-05 0.320000 0.969697
2021-05-06 0.310000 1.038178
2021-02-04 0.300000 1.031637
2020-11-05 0.300000 1.289768
2020-08-06 0.300000 1.200000
2020-04-30 0.300000 1.038062
2020-02-06 0.300000 0.817216
2019-10-31 0.300000 0.838223
2019-08-01 0.300000 0.835422
2019-05-02 0.300000 0.775194
2019-01-31 0.270000 0.747922
2018-11-01 0.270000 0.792952
2018-08-02 0.270000 0.787172
2018-05-03 0.270000 0.755245
2018-02-01 0.240000 0.657534
2017-11-02 0.240000 0.634921
2017-08-02 0.240000 0.721588
2017-05-03 0.210000 0.677419
2017-02-01 0.210000 0.714286
2016-11-02 0.210000 0.846774
2016-08-03 0.210000 0.872093
2016-05-04 0.210000 0.893617
2016-02-03 0.190000 0.887850
2015-11-04 0.190000 0.817204
2015-08-05 0.190000 0.791667
2015-05-06 0.190000 0.752177
2015-02-04 0.170000 0.787037
2014-11-05 0.170000 0.800000
2014-08-06 0.170000 0.858586
2014-05-07 0.170000 0.918919
2014-02-05 0.170000 0.988372
2013-11-06 0.170000 1.030303
2013-08-07 0.170000 1.069182
2013-05-08 0.170000 0.971429
2013-02-06 0.170000 1.198872
2012-11-07 0.170000 1.258327
2012-08-08 0.170000 1.250000
2012-05-08 0.170000 1.192982
2012-02-01 0.270000 1.836735
2011-11-02 0.270000 1.753247
2011-08-03 0.270000 1.666667
2011-05-04 0.270000 1.483516
2011-02-02 0.270000 1.351351
2010-11-03 0.270000 1.602374
2010-08-04 0.270000 1.588235
2010-05-05 0.270000 1.512605
2010-02-03 0.270000 1.661538
2009-11-04 0.270000 1.611940
2009-08-05 0.270000 1.646342
2009-05-06 0.270000 1.578947
2009-02-04 0.270000 1.574344
2008-11-05 0.270000 1.301205
2008-08-06 0.270000 1.200000
2008-05-07 0.270000 1.134454
2008-02-06 0.260000 1.087866
2007-11-07 0.260000 1.061224
2007-08-08 0.260000 1.009709
2007-05-02 0.260000 0.948905
2007-01-31 0.250000 0.915751
2006-11-01 0.250000 0.920810
2006-08-02 0.250000 0.957854
2006-05-03 0.250000 0.990099
2006-02-01 0.240000 0.960000
2005-11-02 0.240000 0.973631
2005-08-03 0.240000 0.950495
2005-05-04 0.240000 0.923077
2005-02-02 0.230000 0.851852
2004-11-03 0.230000 0.840951
2004-08-04 0.230000 0.909091
2004-05-05 0.208000 0.753623
2004-02-04 0.208000 0.748201
2003-11-05 0.208000 0.792683
2003-08-06 0.208000 0.833333
2003-05-07 0.208000 0.940325
2003-02-05 0.192000 0.897196
2002-11-06 0.192000 0.905660
2002-08-07 0.192000 0.926641
2002-05-08 0.192000 0.952381
2002-03-26 0.200000 1.008065
2002-02-05 0.176000 0.880000
2001-11-07 0.176000 0.909091
2001-08-08 0.176000 0.946237
2001-02-07 0.160000 1.230769
1996-05-08 0.101333 0.617884
1996-02-13 0.101333 0.684682
1995-11-08 0.099556 0.751681
1995-08-09 0.099556 0.797157
1995-05-08 0.092444 0.737585
1994-10-31 0.088889 0.673402
1994-05-06 0.088889 0.714287
Additional Data
dividendYield 2.15
exDividendDate 2026-08-07
trailingAnnualDividendRate 1.33
trailingAnnualDividendYield 0.021004423
lastDividendValue 0.34
lastDividendDate 2026-08-07
dividendDate 2026-08-26

Info Dump

Attribute Value
52 Week Change 0.43892956
Address1 1,500 Nitterhouse Drive
Address2 PO Box 6010
All Time High 65.41
All Time Low 11.733333
Ask 81.04
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 40,100
Average Daily Volume3 Month 37,304
Average Volume 37,304
Average Volume10Days 40,100
Beta -0.019
Bid 45.42
Bid Size 2
Board Risk 4
Book Value 40.912
City Chambersburg
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 62.91
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 63.415
Day Low 61.82
Display Name Franklin Financial Services
Dividend Date 1,787,702,400
Dividend Yield 2.15
Earnings Growth 0.114
Earnings Quarterly Growth 0.119
Earnings Timestamp 1,784,896,200
Earnings Timestamp End 1,793,104,200
Earnings Timestamp Start 1,793,104,200
Ebitda Margins 0.0
Enterprise To Revenue 5.159
Enterprise Value 471,293,696
Eps Current Year 5.79
Eps Forward 6.59
Eps Trailing Twelve Months 5.45
Esg Populated 0
Ex Dividend Date 1,786,060,800
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 62.881
Fifty Day Average Change 0.028999329
Fifty Day Average Change Percent 0.0004611779
Fifty Two Week Change Percent 43.892956
Fifty Two Week High 65.41
Fifty Two Week High Change -2.5000038
Fifty Two Week High Change Percent -0.038220514
Fifty Two Week Low 43.47
Fifty Two Week Low Change 19.439999
Fifty Two Week Low Change Percent 0.44720492
Fifty Two Week Range 43.47 - 65.41
Financial Currency USD
First Trade Date Milliseconds 765,639,000,000
Five Year Avg Dividend Yield 3.49
Float Shares 4,179,617
Forward Eps 6.59
Forward P E 9.546282
Full Exchange Name NasdaqCM
Fullday Change -0.40999985
Fullday Change Percent -0.6475045
Fullday Price 62.91
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 91,346,000
Has Pre Post Market Data 1
Held Percent Insiders 0.065019995
Held Percent Institutions 0.38208
Implied Shares Outstanding 4,499,582
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,786,060,800
Last Dividend Value 0.34
Last Fiscal Year End 1,767,139,200
Last Split Date 1,088,467,200
Last Split Factor 125:100
Long Business Summary Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
Long Name Franklin Financial Services Corporation
Market us_market
Market Cap 283,068,704
Market State PREPRE
Max Age 86,400
Message Board Id finmb_3110623
Most Recent Quarter 1,782,777,600
Net Income To Common 24,645,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 275,756,882
Number Of Analyst Opinions 1
Open 62.06
Operating Cashflow 42,266,000
Operating Margins 0.37691003
Overall Risk 6
Payout Ratio 0.24270001
Peg Ratio 1.03
Phone 717 264 6116
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 62.91
Post Market Time 1,792,010,514
Previous Close 63.32
Price Eps Current Year 10.865285
Price Hint 2
Price To Book 1.5376906
Price To Sales Trailing12 Months 3.0988626
Profit Margins 0.2698
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.41
Regular Market Change Percent -0.647505
Regular Market Day High 63.415
Regular Market Day Low 61.82
Regular Market Day Range 61.82 - 63.415
Regular Market Open 62.06
Regular Market Previous Close 63.32
Regular Market Price 62.91
Regular Market Time 1,792,008,000
Regular Market Volume 39,932
Return On Assets 0.01066
Return On Equity 0.14446001
Revenue Growth 0.053
Revenue Per Share 20.376
Sand P52 Week Change 0.1570785
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 4,499,582
Shares Percent Shares Out 0.054
Shares Short 243,028
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 179,278
Short Name Franklin Financial Services Cor
Short Percent Of Float 0.056799997
Short Ratio 5.92
Source Interval 15
State PA
Symbol FRAF
Target High Price 68.0
Target Low Price 68.0
Target Mean Price 68.0
Target Median Price 68.0
Total Cash 26,881,000
Total Cash Per Share 5.974
Total Debt 215,106,000
Total Revenue 91,346,000
Tradeable 0
Trailing Annual Dividend Rate 1.33
Trailing Annual Dividend Yield 0.021004423
Trailing Eps 5.45
Trailing P E 11.543119
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 57.2737
Two Hundred Day Average Change 5.636299
Two Hundred Day Average Change Percent 0.0984099
Type Disp Equity
Volume 39,932
Website https://www.franklinfin.com
Zip 17,201-0819