FRAFFinancial Services · Banks - RegionalThe 1 Wall Street analysts covering Franklin Financial Services Corp. (Pennsylvania) hold a median 12-month price target of $68 — -4.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 86 of 100 as at 29 Oct 2026 — inside the top quartile. The factors read stronger than the Street's target implies. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores Franklin Financial Services Corp. (Pennsylvania) on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Momentum (94): The shares have been drifting up relative to others.
Volatility (26): The share price moves around a lot.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on FRAF, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits −4.4% from it.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
FRAF appears in the Radar on the weeks it earns a place.
AI cloud capacity
MSFTAMZNGOOGLORCL
AI chips
NVDAAVGOAMDMU
AI networking and serversIn full
ANETDELLLITECRDO
Data centre power
VRTCEGGEVVST
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 30 Oct 2026, Franklin Financial Services Corp. (Pennsylvania) returned +60.6% against +12.4% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 51% of US stocks
Cheaper than 36% of US stocks
Cheaper than 48% of US stocks
Higher than 41% of US stocks
Higher than 51% of US stocks
Higher than 91% of US stocks
Higher than 87% of US stocks
Higher than 73% of US stocks
Higher than 50% of US stocks
Higher than 78% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Franklin Financial Services Corp. (Pennsylvania) has a market value of $320.2M and an enterprise value of $343.0M.
Revenue in the twelve months to 30 June 2026: $93.2M. The latest quarter grew 14.9% year on year.
Net income over the same four quarters: $24.6M, a 26.4% net margin.
Diluted earnings per share, trailing twelve months: $5.49.
Free cash flow in the twelve months to 30 June 2026: $41.0M, after $1.3M of capital spending.
Franklin Financial Services Corp. (Pennsylvania) spent $1.4M on share buybacks and $6.0M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 11.5×; forward P/E: 10.8× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 1.91%, paying out 24% of earnings.
Franklin Financial Services Corp. (Pennsylvania) employs 306 people — $305K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| FRAFFranklin Financial Services Corp. (Pennsylvania) | $320.2M | 86 |
| FCCOFirst Community Corp. (South Carolina) | $314.4M | 79 |
| NEWTNewtekOne, Inc. | $318.0M | 38 |
| FVCBFVCBankcorp, Inc. | $308.0M | 91 |
| MYFWFirst Western Financial, Inc. | $305.6M | 97 |
| JMSBJohn Marshall Bancorp, Inc. | $326.8M | 76 |
| ATLOAmes National Corp. | $301.1M | 98 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Franklin Financial Services Corp. (Pennsylvania) — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Franklin Financial's Q3 earnings rose 59% year over year, driven by higher net interest income and lower expenses. The excerpt also notes rising non-performing loans.
Why it matters — FRAF watchers may weigh the earnings growth and improved margin and deposit trends against the credit risk indicated by rising non-performing loans.
Franklin Financial Services Corporation reported its third-quarter and year-to-date 2026 financial results. The headline also states that the company declared a dividend.
Why it matters — The report and dividend declaration provide FRAF watchers with an update on the company's financial results and shareholder distribution.
The article alerts income investors about a group of seven small-bank dividend stocks that share an upcoming ex-dividend date of Friday, August 7, highlighting the deadline for investors seeking August dividends.
Why it matters — As a small-bank dividend stock, FRAF may belong to the group mentioned, so investors tracking its ex-dividend date would be directly affected by the August 7 deadline.
Franklin Financial Services Corp. reported a year-over-year increase in second-quarter earnings, driven by higher net interest income, though the results were tempered by larger credit loss provisions and an increase in non-performing loans.
Why it matters — FRAF investors would note the earnings improvement was partly offset by rising credit loss provisions and non-performing loans, which could signal potential asset quality concerns.
Franklin Financial Services Corporation reported its second quarter and year-to-date 2026 financial results, and also declared a dividend.
Why it matters — This update provides FRAF stakeholders with the company's latest financial performance and dividend action for the period.
The 1 Wall Street analysts covering Franklin Financial Services Corp. (Pennsylvania) have a median 12-month price target of $68, with estimates ranging from $68 to $68. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 1 analysts covering Franklin Financial Services Corp. (Pennsylvania), 0 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Franklin Financial Services Corp. (Pennsylvania) 86 out of 100 across roughly 4,600 US stocks as at 29 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 29 Oct 2026, Franklin Financial Services Corp. (Pennsylvania) ranks 86 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (94 of 100).
No one can know that. What the data says: the median 12-month target from 1 analysts implies -4.4% from the last close, and Ticker Nerd's factor model ranks Franklin Financial Services Corp. (Pennsylvania) 86 out of 100 as at 29 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Franklin Financial Services Corp. (Pennsylvania) publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for FRAF are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $68 to $68 over the next 12 months.
Franklin Financial Services Corp. (Pennsylvania) returned +60.6% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Franklin Financial Services Corp. is a bank holding company that provides commercial banking, retail banking, and trust services through its community-focused banking operations.
The most recent item we track (Zacks Investment Research, 29 Oct 2026): "FRAF Q3 Earnings Rise Y/Y as Margin & Deposit Growth Improve". Franklin Financial's Q3 earnings rose 59% year over year, driven by higher net interest income and lower expenses. The excerpt also notes rising non-performing loans.
Franklin Financial Services Corp. is a bank holding company that provides commercial banking, retail banking, and trust services through its community-focused banking operations. Franklin Financial Services Corp. serves businesses, individuals, and governmental entities with deposit products, commercial and consumer lending, mortgage lending, safe deposit services, and investment and fiduciary solutions. Its services also include treasury and cash management support, as well as personal and corporate trust administration through its investment and trust services division. Based in Chambersburg, Pennsylvania, Franklin Financial Services Corp. operates primarily in south central Pennsylvania and nearby markets, where it supports local financial needs through a traditional community banking model. The company plays a role in providing relationship-based banking services, asset management support, and credit products tailored to local customers and organizations.
CEO Mr. Craig W. Best · 306 employees · United States · https://www.franklinfin.com
