FRAFFRAFFinancial Services · Banks - Regional

FRAF Stock Forecast: Franklin Financial Services Corp. (Pennsylvania) Price Predictions for 2026-2027

Last close, 11 Sept 2026
$64
+0.41% on the day

The 1 Wall Street analysts covering Franklin Financial Services Corp. (Pennsylvania) hold a median 12-month price target of $68 — +7.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 84 of 100 as at 12 Sept 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$285.9M
Ticker Nerd rank
84 / 100
Median analyst target
$68
Analysts covering
1
Revenue$24.1M+9.6% y/y
Net income$6.6M
Free cash flow$6.0M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+0.5%
1M
+0.7%
YTD
+28.8%
1Y
+36.8%
From 52W high
−1.1%
From 52W low
+49.0%
$43
$64
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

FRAF stock analysis: one number for the whole business

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.

Where the model ranks itAs at 12 Sept 2026
84 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum
96
Growth
89
Issuance
71
Quality
64
Size
63
Value
61
Revisions
55
Accruals
42
Volatility
30

Momentum (96): The shares have been drifting up relative to others.

Volatility (30): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

FRAF stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on FRAF, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$40$45$50$55$60$65$70Oct 25Jan 26Apr 26Jul 26FRAFHigh $68Median $68Low $68

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

What Wall Street says1 analysts
0 Buy1 Hold0 Sell
Low $68Median $68High $68

The green dot is the last close — the median target sits +7.0% 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.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. FRAF appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

FRAF vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Franklin Financial Services Corp. (Pennsylvania) returned +36.8% against +17.5% for the S&P 500, dividends included.

FRAF vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140Oct 25Jan 26Apr 26Jul 26FRAFS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

FRAF analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−0.7%
Analysts raising
0
Analysts cutting
1
Fundamentals

Franklin Financial Services Corp. (Pennsylvania) (FRAF) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
11.6×

Cheaper than 55% of US stocks

Price / sales
3.1×

Cheaper than 40% of US stocks

Price / book
1.6×

Cheaper than 54% of US stocks

EV / EBITDA
Growth & margins
Revenue growth (YoY)
5.3%

Higher than 40% of US stocks

Earnings growth (YoY)
11.9%

Higher than 50% of US stocks

Gross margin
Operating margin
37.7%

Higher than 91% of US stocks

Net margin
27.0%

Higher than 87% of US stocks

Returns & dividend
Return on equity
14.4%

Higher than 73% of US stocks

Return on assets
1.1%

Higher than 50% of US stocks

Dividend yield
2.1%

Higher than 47% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Franklin Financial Services Corp. (Pennsylvania) (FRAF) statistics: revenue, profit & scale

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 $285.9M and an enterprise value of $474.1M.

  • Revenue in the twelve months to 30 June 2026: $93.2M. The latest quarter grew 5.3% 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.

  • Shares outstanding: 4.5M.

  • Trailing P/E: 11.6×; forward P/E: 9.6× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 2.14%, paying out 24% of earnings.

  • Franklin Financial Services Corp. (Pennsylvania) employs 306 people $305K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

FRAF vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
FRAFFranklin Financial Services Corp. (Pennsylvania)$285.9M
84
ISBAIsabella Bank Corp.$288.7M
39
FUNCFirst United Corp.$288.8M
95
ATLOAmes National Corp.$288.9M
94
GBFHGBank Financial Holdings, Inc.$289.5M
17
OVLYOak Valley Bancorp$289.7M
49
QNBCQNB Corp.$279.2M
28

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 →

News

Latest FRAF news & analysis

7 Dividend Stocks You Must Buy Immediately to Get Paid in August

24/7 Wall Street · 5 Aug 2026neutral

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 Q2 Earnings Rise Y/Y on Higher Net Interest Income

Zacks Investment Research · 27 July 2026neutral

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.

FAQ

Frequently asked questions about FRAF stock

What is the FRAF stock price forecast for 2026-2027?

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.

Is FRAF stock a buy right now?

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) 84 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank FRAF?

As at 12 Sept 2026, Franklin Financial Services Corp. (Pennsylvania) ranks 84 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 (96 of 100).

Will FRAF stock go up?

No one can know that. What the data says: the median 12-month target from 1 analysts implies +7.0% from the last close, and Ticker Nerd's factor model ranks Franklin Financial Services Corp. (Pennsylvania) 84 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the FRAF stock forecast for 2030?

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.

How has FRAF stock performed over the past year?

Franklin Financial Services Corp. (Pennsylvania) returned +36.8% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Franklin Financial Services Corp. (Pennsylvania) do?

Franklin Financial Services Corp. is a bank holding company that provides commercial banking, retail banking, and trust services through its community-focused banking operations.

What is the latest news on FRAF?

The most recent item we track (24/7 Wall Street, 5 Aug 2026): "7 Dividend Stocks You Must Buy Immediately to Get Paid in August". 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.

Company

About Franklin Financial Services Corp. (Pennsylvania).

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