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Upturn AI Summary - About
Franklin Financial Services Corp(FRAF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FRAF
09/25/2026: FRAF (2-star) is a SELL. SELL for 1 day. Simulated Profits (20.46%). Updated daily EoD!
Franklin Financial Services Corp is a traditional regional bank holding company that relies heavily on its community roots in Pennsylvania. Its primary strength lies in maintaining a stable and loyal customer base while providing a mix of retail, commercial, and trust services. The core investment story is built on steady, predictable performance and a commitment to shareholder dividends. However, the company faces significant risks from geographic concentration, intense competition from national banks, and digital transformation requirements. Investors should monitor its ability to grow non-interest income and manage operating costs in an increasingly digital and competitive financial landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growing community bank rather than a high-growth entity. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and stable, non-momentum price behavior. |
| Value investor | Mixed fit | Value may exist if the stock trades at a discount to book value, but sector volatility must be considered. |
| Dividend investor | Strong fit | The company prioritizes consistent cash dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While stable, the company is subject to interest rate and economic risks inherent in regional banking. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader banking sector sentiment and interest rate changes. |
| Valuation risk | Low | Regional bank valuations are often tethered to book value and earnings stability. |
| Competition risk (Regional/National Banking) | Medium / high | Intense competition from larger banks impacts loan pricing and deposit retention. |
| Business quality | Medium | The franchise is solid locally but lacks the scale of diversified national competitors. |
| Dividend income | Medium | Dividend sustainability depends on consistent net interest margins. |
| Execution risk | Low | The company has a long history of steady operations and conservative management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 8.34% | Avg. Invested days 49 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 281.90M USD | Price to earnings Ratio 11.43 | 1Y Target Price 68 |
Price to earnings Ratio 11.43 | 1Y Target Price 68 | ||
Volume (30-day avg) 35.9K shares | Beta -0.01 | 52 Weeks Range 42.37 - 65.41 | Updated Date 09/27/2026 |
52 Weeks Range 42.37 - 65.41 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 2.14% | Basic EPS (TTM) 5.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The company's primary profit engine is the spread between what it earns on loans and pays on customer deposits. |
| Non-Interest Income | Trust services fees, wealth management fees, and general service charges. | These are service-based fees that provide stable, non-cyclical revenue for the company. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.43 | Forward PE 12 | Enterprise Value 470.12M | Price to Sales(TTM) 3.09 |
Enterprise Value 470.12M | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 4.50M | Shares Floating 4.18M |
Shares Outstanding 4.50M | Shares Floating 4.18M | ||
Percent Insiders 6.49 | Percent Institutions 38.05 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Franklin Financial Services Corp
Exchange NASDAQ | Headquarters Chambersburg, PA, United States | ||
IPO Launch date 2001-01-02 | 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 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.
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