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Upturn AI SWOT - About
FRAF 
Franklin Financial Services Corp (FRAF)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.6% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Franklin Financial Services Corp
Company Overview
History and Background
Franklin Financial Services Corp is a holding company for community banks. Founded in 1982 in Georgia, it has focused on providing traditional banking services to individuals and small to medium-sized businesses. It has grown through a combination of organic expansion and acquisitions of other community banks.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans, and other financial services to individuals and small to medium-sized businesses in its service areas.
- Commercial Lending: Provides commercial real estate loans, equipment financing, and other commercial loans to businesses.
- Retail Banking: Offers personal banking services, including checking accounts, savings accounts, mortgages, and consumer loans.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, deposit operations, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides loans for commercial real estate properties. Market share data is difficult to obtain specifically for Franklin Financial, but it competes with regional and national banks. Competitors include Truist Financial (TFC) and Bank of America (BAC).
- Residential Mortgages: Offers mortgage loans for residential properties. Market share data is difficult to obtain specifically for Franklin Financial, but it competes with regional and national banks and mortgage companies. Competitors include Rocket Companies (RKT) and Wells Fargo (WFC).
- Small Business Loans: Provides loans to small businesses. Market share data is difficult to obtain specifically for Franklin Financial, but it competes with regional and national banks and credit unions. Competitors include JPMorgan Chase (JPM) and US Bancorp (USB).
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. It is influenced by economic conditions, interest rates, and regulatory changes. Community banks face competition from larger national banks and fintech companies.
Positioning
Franklin Financial is a community bank focused on providing personalized service and building relationships with its customers. Its competitive advantage lies in its local presence and understanding of the needs of its communities.
Total Addressable Market (TAM)
The total addressable market for community banking in the US is significant. Franklin Financial's position within this TAM is regional, with opportunities to expand within its current footprint and into new markets.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Lower brand recognition than larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of other community banks
- Growth in small business lending
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- TFC
- WFC
- JPM
- USB
Competitive Landscape
Franklin Financial competes with larger national banks and other community banks. Its competitive advantage lies in its local presence and personalized service. Franklin Financial's inability to be located on the stock exchange prohibits a market share and financial analysis.
Growth Trajectory and Initiatives
Historical Growth: Franklin Financial has grown through a combination of organic expansion and acquisitions.
Future Projections: Future growth will depend on economic conditions, interest rates, and the company's ability to execute its growth strategy.
Recent Initiatives: Recent initiatives may include expanding into new markets, investing in digital banking, and acquiring other community banks.
Summary
Franklin Financial Services Corp is a community bank that has been in business since 1982. The financial details for this specific company are unavailable since it is not publicly traded. However, as a regional bank, it needs to find a way to scale in a capital heavy industry. While it has a focused market to serve, it must also be able to compete with other large national banks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Competitor analysis
- N/A as this is a private company
Disclaimers:
Financial data is based on estimates and industry averages as data for Franklin Financial Services Corp is not publicly available. Market share data is approximate and based on publicly available sources.
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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