FRAF Stock Analysis: Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 316m USD | 12M Return: 47% | US3535251082 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.52M
EPS Trend: 71.9%
Rev. Trend: 96.8%
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Franklin Financial Services Corporation (NASDAQ: FRAF) is a Pennsylvania-based regional bank holding company and the parent of Farmers and Merchants Trust Company of Chambersburg. Founded in 1906 and headquartered in Chambersburg, it serves businesses, individuals, and public-sector customers.
The company gathers deposits and makes commercial, real estate, mortgage, and consumer loans. It also earns revenue from trust and investment services, insurance and annuity sales, and other financial activities-a common mix for regional banks that combine lending with fee-based services.
- Net interest margin shifts with deposit costs and rate cuts
- Pennsylvania loan growth faces regional bank competition
- Commercial real estate credit losses raise provisions and pressure earnings
| Net Income: 27.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.86 > 1.0 |
| NWC/Revenue: -1.40k% < 20% (prev -1.30k%; Δ -99.76% < -1%) |
| CFO/TA 0.02 > 3% & CFO 47.5m > Net Income 27.8m |
| Net Debt (195.3m) to EBITDA (36.8m): 5.30 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.50m) vs 12m ago 0.0% < -2% |
| Gross Margin: 69.46% > 18% (prev 60.85%; Δ 8.61% > 0.5%) |
| Asset Turnover: 5.84% > 50% (prev 5.47%; Δ 0.38% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 34.7m / Interest Expense TTM 38.9m) |
| A: -0.81 (Total Current Assets 19.8m - Total Current Liabilities 1.92b) / Total Assets 2.36b |
| B: 0.07 (Retained Earnings 172.1m / Total Assets 2.36b) |
| C: 0.01 (EBIT TTM 34.7m / Avg Total Assets 2.33b) |
| D: 0.08 (Book Value of Equity 177.7m / Total Liabilities 2.19b) |
| Altman-Z'' = -4.86 = D |
As of November 12, 2026, the stock is trading at USD 69.88 with a total of 30,023 shares traded. Over the past week, the price has changed by -1.63%, over one month by +10.40%, over three months by +11.25% and over the past year by +47.00%.
Current recommended Stop Loss: 67.60 (which is 3.3% or 1.1 ATR below the current price).
Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold FRAF.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 74 | 5.9% |
P/E Trailing = 11.3376
P/E Forward = 12.0048
P/S = 3.3395
P/B = 1.776
P/EG = 1.0273
Revenue TTM = 136.2m USD
EBIT TTM = 34.7m USD
EBITDA TTM = 36.8m USD
Long Term Debt = 210.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.11m USD (from shortTermDebt, last quarter)
Debt = 215.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.25m
Net Debt = 195.3m USD (calculated: Debt 215.1m - CCE 19.8m)
Enterprise Value = 511.2m USD (315.9m + Debt 215.1m - CCE 19.8m)
Interest Coverage Ratio = 0.89 (Ebit TTM 34.7m / Interest Expense TTM 38.9m)
EV/FCF = 11.02x (Enterprise Value 511.2m / FCF TTM 46.4m)
FCF Yield = 9.07% (FCF TTM 46.4m / Enterprise Value 511.2m)
FCF Margin = 34.05% (FCF TTM 46.4m / Revenue TTM 136.2m)
Net Margin = 20.43% (Net Income TTM 27.8m / Revenue TTM 136.2m)
Gross Margin = 69.46% ((Revenue TTM 136.2m - Cost of Revenue TTM 41.6m) / Revenue TTM)
Gross Margin QoQ = 71.10% (prev 67.07%)
Tobins Q-Ratio = 0.22 (Enterprise Value 511.2m / Total Assets 2.36b)
Interest Expense / Debt = 18.07% (Interest Expense 38.9m / Debt 215.1m)
Taxrate = 19.79% (6.87m / 34.7m)
NOPAT = 27.8m (EBIT 34.7m * (1 - 19.79%))
Current Ratio = 0.01 (Total Current Assets 19.8m / Total Current Liabilities 1.92b)
Debt / Equity = 1.21 (Debt 215.1m / totalStockholderEquity, last quarter 177.7m)
Debt / EBITDA = 5.30 (Net Debt 195.3m / EBITDA 36.8m)
Debt / FCF = 4.21 (Net Debt 195.3m / FCF TTM 46.4m)
Total Stockholder Equity = 178.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 27.8m / Total Assets 2.36b)
RoE = 15.56% (Net Income TTM 27.8m / Total Stockholder Equity 178.9m)
RoCE = 8.90% (EBIT 34.7m / Capital Employed (Equity 178.9m + L.T.Debt 210.8m))
RoIC = 1.18% (NOPAT 27.8m / Invested Capital 2.36b)
WACC = 9.96% (E(315.9m)/V(531.0m) * Re(6.87%) + D(215.1m)/V(531.0m) * Rd(18.07%) * (1-Tc(0.20)))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 5.83 | Cagr: -0.95%
[DCF] Terminal Value 72.95% ; FCFF base≈37.9m ; Y1≈43.5m ; Y5≈64.0m
[DCF] Fair Price = 123.1 (EV 749.6m - Net Debt 195.3m = Equity 554.3m / Shares 4.50m; r=9.96% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 71.93 | EPS CAGR: 25.15% | SUE: N/A | # QB: 0
Revenue Correlation: 96.85 | Revenue CAGR: 15.33% | SUE: N/A | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.67 | Chg30d=+7.74% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=6.29 | Chg30d=+8.64% | Revisions=+25% | GrowthEPS=+0.0% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=7.01 | Chg30d=+6.37% | Revisions=+25% | GrowthEPS=+11.5% | GrowthRev=+5.4%