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Upturn AI SWOT - About
FRAF 
Franklin Financial Services Corp (FRAF)
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Upturn Advisory Summary
10/15/2025: FRAF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.38% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 153.72M USD | Price to earnings Ratio 13.16 | 1Y Target Price - |
Price to earnings Ratio 13.16 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.16 | 52 Weeks Range 26.03 - 40.41 | Updated Date 06/29/2025 |
52 Weeks Range 26.03 - 40.41 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 2.62 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.35% | Operating Margin (TTM) 27.63% |
Management Effectiveness
Return on Assets (TTM) 0.55% | Return on Equity (TTM) 8.16% |
Valuation
Trailing PE 13.16 | Forward PE - | Enterprise Value 352504128 | Price to Sales(TTM) 2.16 |
Enterprise Value 352504128 | Price to Sales(TTM) 2.16 | ||
Enterprise Value to Revenue 5.22 | Enterprise Value to EBITDA - | Shares Outstanding 4458300 | Shares Floating 3753530 |
Shares Outstanding 4458300 | Shares Floating 3753530 | ||
Percent Insiders 6.46 | Percent Institutions 29.12 |
Upturn AI SWOT
Franklin Financial Services Corp
Company Overview
History and Background
Due to lack of information, a detailed history of 'Franklin Financial Services Corp' is not available. A general description of the financial services industry will be provided.
Core Business Areas
- Retail Banking: Provides financial services to individuals and small businesses, including checking and savings accounts, loans, and credit cards.
- Commercial Banking: Offers banking products and services to mid-sized and large corporations, such as loans, lines of credit, and treasury management.
- Investment Banking: Provides advisory services for mergers and acquisitions, underwriting of securities, and private equity investments.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
- Mortgage Banking: Originates and services mortgage loans for residential and commercial properties.
Leadership and Structure
Due to lack of information on 'Franklin Financial Services Corp', details of the leadership team and organizational structure is not available. Generally, financial institutions have a Board of Directors, a CEO, and various executive-level positions leading different business units.
Top Products and Market Share
Key Offerings
- Checking Accounts: Transaction accounts for daily spending and bill payments. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC). Market share data unavailable specifically for 'Franklin Financial Services Corp'.
- Mortgage Loans: Loans for purchasing residential and commercial properties. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC). Market share data unavailable specifically for 'Franklin Financial Services Corp'.
- Wealth Management Services: Financial planning, investment advice, and portfolio management. Competitors include Charles Schwab (SCHW), Fidelity Investments. Market share data unavailable specifically for 'Franklin Financial Services Corp'.
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation, with increasing competition from fintech companies. Regulatory changes and economic conditions also significantly impact the industry.
Positioning
Without specific details about 'Franklin Financial Services Corp,' its position within the industry is unknown. Generally, a company's positioning depends on its size, geographic reach, and product offerings.
Total Addressable Market (TAM)
The global financial services market is estimated to be worth trillions of dollars. 'Franklin Financial Services Corp's' positioning within this TAM depends on its business strategy and target market.
Upturn SWOT Analysis
Strengths
- Established customer base
- Strong brand reputation (if available)
- Diversified product offerings
- Experienced management team (if available)
Weaknesses
- Limited geographic presence
- Reliance on traditional banking methods
- Inability to adapt to emerging technologies
- Lower-than-average returns
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Partnerships with fintech companies
- Increased demand for wealth management services
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- C
- GS
Competitive Landscape
Without specific information on 'Franklin Financial Services Corp,' it is difficult to determine its competitive advantages and disadvantages. Generally, financial institutions compete on factors like price, service quality, and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Due to a lack of specific data for 'Franklin Financial Services Corp,' detailed growth trend analysis is unavailable.
Future Projections: Due to a lack of specific data for 'Franklin Financial Services Corp,' detailed future growth projections are unavailable.
Recent Initiatives: Due to a lack of specific data for 'Franklin Financial Services Corp,' details of recent strategic initiatives are unavailable.
Summary
Without available data on Franklin Financial Services Corp, it's difficult to assess its current health and strategy. Generally, understanding the company's financials, market position, and growth strategy are important. Keep an eye on macroeconomic trends and market shifts to best navigate the financial landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Industry Reports
- Financial News Outlets
- Company Press Releases (if available)
Disclaimers:
The analysis is based on general industry knowledge and publicly available information. The absence of specific data for 'Franklin Financial Services Corp' limits the accuracy of the analysis.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Franklin Financial Services Corp
Exchange NASDAQ | Headquaters Chambersburg, PA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. Craig W. Best | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.franklinfin.com |
Full time employees - | Website https://www.franklinfin.com | ||
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, 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 investment and 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 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.
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