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FRAF

BULLISH
$56.95 Live
Franklin Financial Services Corporation · NASDAQ
Target $59.0 (+3.6%)
$33.44 52W Range $59.95
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$255.82M
P/E
11.55
ROE
13.3%
Profit margin
24.7%
Debt/Equity
N/A
Dividend yield
2.42%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
FRAF presents a compelling value opportunity, trading significantly below its Graham Number ($65.86) and growth-based Intrinsic Value ($145.44). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits explosive year-over-year revenue and earnings growth that far exceeds sector averages. Despite a severely bearish technical trend (10/100), the fundamental valuation and low P/E ratio relative to peers suggest a strong margin of safety.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive YoY earnings growth (1199.30%) and revenue growth (54.70%)
Low P/E ratio (11.55) compared to the financial services sector average (26.49)
Sustainable dividend profile with a low payout ratio of 27.64%
Strong long-term price performance with a 5-year change of +132.8%

Key Risks

Severely bearish short-term technical trend (10/100)
Small market capitalization ($0.26B) leading to higher volatility
Piotroski F-Score of 4/9 suggests mediocre operational health
Extreme earnings growth may be a one-time recovery and unsustainable
Limited analyst coverage (only 1 analyst) providing a narrow perspective
AI Fair Value Estimate
Based on comprehensive analysis
$92.5
+62.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
77
Strong
Value
90
Future
95
Past
85
Health
50
Dividend
65
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Hyper-growth metrics, Low sector-relative valuation
Confidence
80%
Value
90/100

Ref P/E 11.55, Graham Number $65.86

Positives
  • Price is below Graham Number
  • P/E is significantly lower than sector average
Watchpoints
  • Price/Book of 1.46 is slightly elevated for some regional banks
Future
95/100

Ref Revenue Growth 54.70%, Earnings Growth 1199.30%

Positives
  • Massive YoY revenue and earnings acceleration
Watchpoints
  • Sustainability of 1000%+ earnings growth is questionable
Past
85/100

Ref 1Y Change +66.6%, 5Y Change +132.8%

Positives
  • Consistent multi-year growth in share price
Watchpoints
  • Recent short-term momentum has collapsed
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Stable Piotroski score
Watchpoints
  • Piotroski F-Score is only 4/9
  • Lack of Altman Z-Score data
Dividend
65/100

Ref Yield 2.42%, Payout 27.64%

Positives
  • Low payout ratio ensures safety
Watchpoints
  • Yield is modest at 2.42%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$56.95
Analyst Target
$59.0
Upside/Downside
+3.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FRAF and closest competitors.

Updated 2026-04-09
FRA
Franklin Financial Services Corporation
Primary
5Y
+132.8%
3Y
+113.9%
1Y
+66.6%
6M
+26.9%
1M
+14.2%
1W
+10.2%
FUN
First United Corporation
Peer
5Y
+176.0%
3Y
+161.7%
1Y
+34.4%
6M
+9.5%
1M
+8.9%
1W
+5.7%
BPR
Princeton Bancorp, Inc.
Peer
5Y
+94.1%
3Y
+27.8%
1Y
+16.7%
6M
+19.4%
1M
+5.0%
1W
+1.6%
FXN
First National Corporation
Peer
5Y
+84.7%
3Y
+105.6%
1Y
+47.8%
6M
+31.8%
1M
+8.8%
1W
+7.0%
BLF
Blue Foundry Bancorp
Peer
5Y
-0.3%
3Y
+3.9%
1Y
+33.0%
6M
+42.1%
1M
+0.9%
1W
+0.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.55
Forward P/E
9.03
PEG Ratio
N/A
P/B Ratio
1.46
P/S Ratio
2.98
EV/Revenue
4.05
EV/EBITDA
N/A
Market Cap
$255.82M

Profitability

Profit margins and return metrics

Profit Margin 24.7%
Operating Margin 34.8%
Gross Margin N/A
ROE 13.27%
ROA 0.96%

Growth

Revenue and earnings growth rates

Revenue Growth +54.7%
Earnings Growth +1199.3%
Q/Q Revenue Growth +52.5%
Q/Q Earnings Growth +1140.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$27.29

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
26.3%
Total Assets
$2.2B
Liabilities
$2.1B
Equity
$0.2B
Debt/Equity
11.78x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28
$N/A

Financial Services Sector Comparison

Comparing FRAF against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
P/E Ratio
11.55
This Stock
vs
55.13
Sector Avg
-79.0% (Discount)
Return on Equity (ROE)
13.27%
This Stock
vs
-0.93%
Sector Avg
-1530.1% (Below Avg)
Profit Margin
24.7%
This Stock
vs
69.73%
Sector Avg
-64.6% (Weaker)
Revenue Growth
54.7%
This Stock
vs
32.66%
Sector Avg
+67.5% (Fast Growth)

Similar Companies

Peer comparison within the same industry

FRAF Franklin...
BULLISH
Mkt Cap
$256M
P/E
11.6
ROE
13.3%
Price
$56.95
FUNC First United...
NEUTRAL
Mkt Cap
$254M
P/E
10.4
ROE
12.8%
Price
$39.11
 Compare with FRAF
BPRN Princeton Bancorp, Inc.
NEUTRAL
Mkt Cap
$251M
P/E
14.2
ROE
6.7%
Price
$37.08
 Compare with FRAF
FXNC First National...
NEUTRAL
Mkt Cap
$263M
P/E
14.5
ROE
10.0%
Price
$29.06
 Compare with FRAF
BLFY Blue Foundry Bancorp
BEARISH
Mkt Cap
$267M
P/E
-
ROE
-2.8%
Price
$12.86
 Compare with FRAF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CRAIG KEVIN W.
Director
Stock Award
2026-03-30
214 shares · $10,820
SNOOK GREGORY I.
Director
Stock Award
2026-03-30
128 shares · $6,472
KERLIN STANLEY J
Director
Stock Award
2026-03-30
155 shares · $7,837
ELLIOTT G WARREN
Director
Stock Award
2026-03-30
48 shares · $2,427
FISHER DANIEL J
Director
Stock Award
2026-03-30
97 shares · $4,904
DUFFEY GREGORY A
Director
Stock Award
2026-03-30
63 shares · $3,185
HECKMAN LORIE M
Officer
Option Exercise
2026-03-24
200 shares · $6,820
SNOOK GREGORY I.
Director
Buy
2026-03-09
2,200 shares · $105,996
HECKMAN LORIE M
Officer
Stock Award
2026-03-02
426 shares
RZOMP KIMBERLY
Director
Stock Award
2026-03-02
334 shares
CRAIG KEVIN W.
Director
Stock Award
2026-03-02
424 shares
CARROLL CHARLES BENNER JR.
Chief Operating Officer
Stock Award
2026-03-02
1,176 shares
GIUSTINI LOUIS J
Officer
Stock Award
2026-03-02
628 shares
LONG DAVID M
Chief Technology Officer
Stock Award
2026-03-02
542 shares
SNOOK GREGORY I.
Director
Stock Award
2026-03-02
383 shares
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning FRAF from our newsroom.

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