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FRAF 
Franklin Financial Services Corp (FRAF)
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Upturn Advisory Summary
11/28/2025: 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 3.73% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
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
It's difficult to provide detailed information on a company named only 'Franklin Financial Services Corp' without a ticker symbol or further specifics. 'Franklin Financial Services Corp' is a generic name and does not correspond to a publicly traded company with significant historical information readily available. This response will focus on providing a generalized format suitable for a financial analysis if more company information were available.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, loans (mortgages, auto, personal), and other financial services to individual customers.
- Commercial Banking: Provides loans, lines of credit, and other financial services to businesses, including small businesses and corporations.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Insurance Services: Provides Insurance services to help protect people's homes and business against financial hardships.
Leadership and Structure
Typically led by a CEO and a board of directors. Organizational structure usually includes departments for retail banking, commercial banking, wealth management, risk management, finance, and technology.
Top Products and Market Share
Key Offerings
- Mortgages: Home loans for purchasing or refinancing properties. Market share depends on the specific company and geographic location. Competitors include large national banks and mortgage lenders.
- Commercial Loans: Loans for businesses to fund operations, expansions, or acquisitions. Market share depends on the specific company and geographic location. Competitors include other banks, credit unions, and private lenders.
- Wealth Management Services: Investment advice, portfolio management, and financial planning for high-net-worth individuals. Market share depends on Assets Under Management (AUM). Competitors include brokerage firms, registered investment advisors (RIAs), and other wealth management firms.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated. Key trends include increasing digitization, growing demand for personalized financial advice, and evolving regulatory landscape.
Positioning
The company's position depends on its size, geographic reach, and product offerings. Competitive advantages could include strong customer relationships, innovative technology, or specialized expertise.
Total Addressable Market (TAM)
TAM for financial services is substantial, encompassing all individuals and businesses requiring financial products and services. The company's position within the TAM depends on its market share and target customer segments.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Efficient operations
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Lack of brand recognition
- Outdated technology
- Higher operating costs
Opportunities
- Expanding into new markets
- Developing new products and services
- Acquiring smaller competitors
- Leveraging technology to improve efficiency
Threats
- Increased competition
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- C
Competitive Landscape
Depends on the specific company's strengths, weaknesses, and market strategy. Requires in-depth competitive analysis.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on the specific company and its market conditions. Historical growth cannot be provided without knowing the true company being referenced.
Future Projections: Future growth projections require analyst estimates and market data. This cannot be provided without knowing the true company being referenced.
Recent Initiatives: Cannot provide this without specific company information.
Summary
Without more specific information, it's impossible to assess Franklin Financial Services Corp's actual performance. Overall, the company should focus on managing risks and adapting to the changing market landscape. Strong customer relationships and service quality are crucial. However, it will require more specific data to provide a relevant and informed summary.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Placeholder - Generic financial service sector reports.
Disclaimers:
This analysis is based on general financial service industry principles and publicly available information. It should not be considered financial advice. Actual company data is not available, thus the response is generic. Due to the lack of specific information about 'Franklin Financial Services Corp', this analysis may not be accurate for any existing company with that name. This output is for demonstration purposes.
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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