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FRAF 
Franklin Financial Services Corp (FRAF)
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Upturn Advisory Summary
12/16/2025: FRAF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 8.5% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/16/2025 |
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 |
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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