Franklin Financial Services Corp
Research Franklin Financial Services Corp (FRAF) on Bullrun: valuation model: 0.7% overvalued, market cap USD 285.84M, P/E 11.6, dividend yield 2.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFRAF
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal0.7% overvalued
- Market capUSD 285.84M
- P/E11.6
- Dividend yield2.1%
- Financial periodQ2 2026
- RevenueUSD 24.11M
- Net incomeUSD 6.61M
- Free cash flowUSD 5.99M
Valuation Snapshot
Bullrun's latest valuation model marks Franklin Financial Services Corp as 0.7% overvalued; latest market cap is USD 285.84M; P/E is 11.6; dividend yield is 2.1%.
Peer valuation comparison
Latest P/E is 11.59x versus a Financial Services sector median of 13.41x (13.5% below).
Latest dividend yield is 2.12% versus a Financial Services sector median of 3.66% (42.0% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 87.44M | USD 21.23M | USD 24.58M | n/a | 4.74 | USD 127.72M | USD 214.69M | USD 175.24M |
| FY2024 | USD 69.89M | USD 11.10M | USD 19.19M | n/a | 2.51 | USD 203.61M | USD 223.96M | USD 144.72M |
| FY2023 | USD 67.25M | USD 13.60M | USD 26.07M | n/a | 3.1 | USD 23.14M | USD 154.48M | USD 132.14M |
| FY2022 | USD 65.41M | USD 14.94M | USD 13.03M | n/a | 3.36 | USD 64.90M | USD 25.77M | USD 114.20M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 285.84M | 11.6 | 2.1% | 1.34 |
| 2025 | 2025-12-31 | USD 224.95M | 10.6 | 2.6% | 1.31 |
| 2024 | 2024-12-31 | USD 132.38M | 12.0 | 4.3% | 1.28 |
| 2023 | 2023-12-29 | USD 137.61M | 10.0 | 4.1% | 1.28 |
| 2022 | 2022-12-30 | USD 158.37M | 10.8 | 3.5% | 1.28 |
| 2021 | 2021-12-31 | USD 147.01M | 7.5 | 3.8% | 1.25 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.34 USD, yield 2.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.31 USD |
| FY2024 | 1.28 USD |
| FY2023 | 1.28 USD |
| FY2022 | 1.28 USD |
About Franklin Financial Services Corp
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits.
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Frequently asked questions
Is Franklin Financial Services Corp overvalued or undervalued?
Bullrun's valuation model currently marks Franklin Financial Services Corp as 0.7% overvalued.
What is Franklin Financial Services Corp's market cap?
Franklin Financial Services Corp's market capitalization is USD 285.84M.
What is Franklin Financial Services Corp's P/E ratio?
Franklin Financial Services Corp's price-to-earnings (P/E) ratio is 11.6.
Does Franklin Financial Services Corp pay a dividend?
Franklin Financial Services Corp has a dividend yield of 2.1%.
What does Franklin Financial Services Corp do?
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits.