Franklin Financial Services (FRAF) Stock Price

Franklin Financial Services Price

🇺🇸NASDAQ·CLOSED
60.21USD
Market closed
Today +/-
Today %

Franklin Financial Services (FRAF) Stock | ISIN US3535251082 | WKN A0YHPY. The current Franklin Financial Services stock price is 60.21 USD (2026). Market capitalization is 266.73 M USD. Franklin Financial Services operates in the Finance sector.

Franklin Financial Services stock price

Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Franklin Financial Services over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Franklin Financial Services stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Franklin Financial Services's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Franklin Financial Services Stock Price History
DateFranklin Financial Services Price
Access this data via the Eulerpool API

Franklin Financial Services Revenue, EBIT, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2006
49.16 M USD
7.57 M USD
Jan 1, 2007
59.67 M USD
9.26 M USD
Jan 1, 2008
52.7 M USD
8.6 M USD
Jan 1, 2009
52.64 M USD
6.59 M USD
Jan 1, 2010
52.65 M USD
7.61 M USD
Jan 1, 2011
51.99 M USD
6.57 M USD
Jan 1, 2012
48.59 M USD
5.37 M USD
Jan 1, 2013
46.07 M USD
6.23 M USD
Jan 1, 2014
45.92 M USD
8.4 M USD
Jan 1, 2015
47.27 M USD
10.2 M USD
Jan 1, 2016
48.59 M USD
8.09 M USD
Jan 1, 2017
52.08 M USD
2.18 M USD
Jan 1, 2018
57.5 M USD
6.13 M USD
Jan 1, 2019
64.66 M USD
16.12 M USD
Jan 1, 2020
61.02 M USD
12.8 M USD

Franklin Financial Services Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jun 12, 2026, 6:32 AM
 
REVENUE (M USD)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M USD)
EBIT (M USD)
EBIT MARGIN (%)
NET INCOME (M USD)
NET INCOME GROWTH (%)
DIV. (USD)
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
20182019202020212022202320242025
576461677191115133
9.6212.28-4.699.845.9728.1726.3715.65
--------
00000000
00000000
616121914131121
200166.67-2558.33-26.32-7.14-15.3890.91
1.051.21.21.251.281.281.281.31
16.6714.294.172.42.34
4.44.44.364.444.454.384.414.48
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Franklin Financial Services generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Franklin Financial Services retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Franklin Financial Services's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Franklin Financial Services has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Franklin Financial Services's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Franklin Financial Services stock margins

The Franklin Financial Services margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Franklin Financial Services. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Franklin Financial Services.
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Profit margin
Details
Date
Profit margin
Jan 1, 2006
15.4 %
Jan 1, 2007
15.52 %
Jan 1, 2008
16.32 %
Jan 1, 2009
12.52 %
Jan 1, 2010
14.45 %
Jan 1, 2011
12.64 %
Jan 1, 2012
11.05 %
Jan 1, 2013
13.52 %
Jan 1, 2014
18.29 %
Jan 1, 2015
21.58 %
Jan 1, 2016
16.65 %
Jan 1, 2017
4.19 %
Jan 1, 2018
10.66 %
Jan 1, 2019
24.93 %
Jan 1, 2020
20.98 %

Franklin Financial Services Stock Revenue, EBIT, Earnings per Share

The Franklin Financial Services earnings per share therefore indicates how much revenue Franklin Financial Services has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2006
13.66 USD
2.1 USD
Jan 1, 2007
15.5 USD
2.41 USD
Jan 1, 2008
13.76 USD
2.25 USD
Jan 1, 2009
13.71 USD
1.72 USD
Jan 1, 2010
13.53 USD
1.96 USD
Jan 1, 2011
13.13 USD
1.66 USD
Jan 1, 2012
11.94 USD
1.32 USD
Jan 1, 2013
11.13 USD
1.5 USD
Jan 1, 2014
10.93 USD
2 USD
Jan 1, 2015
11.12 USD
2.4 USD
Jan 1, 2016
11.3 USD
1.88 USD
Jan 1, 2017
11.94 USD
0.5 USD
Jan 1, 2018
13.07 USD
1.39 USD
Jan 1, 2019
14.7 USD
3.66 USD
Jan 1, 2020
14 USD
2.94 USD

Franklin Financial Services business model & stock analysis

Franklin Financial Services Corp. is a financial company based in Chambersburg, Pennsylvania, that has been in existence for over 100 years and offers a wide range of services to its customers. The company was founded in 1906 under the name "Franklin County Trust and Savings Fund Association" and has since evolved into a leading regional provider of financial services. The business model of Franklin Financial Services Corp. is based on providing banking services and investment advice to individuals, families, and businesses. The company focuses on offering its customers tailored solutions based on their specific needs. Franklin Financial Services Corp. operates multiple branches in Pennsylvania and Maryland, with a focus on the local community. The different divisions of Franklin Financial Services Corp. include banking services, wealth management services, and insurance products. Banking services include current accounts, savings accounts, loans, and mortgages. Wealth management services offer customers a comprehensive range of investment services and customized portfolios to help them achieve their financial goals. Insurance products include life insurance, accident insurance, liability insurance, and health insurance. A particular focus of Franklin Financial Services Corp. is the local community. The company is involved in numerous social and charitable projects to fulfill its responsibility as a citizen of the area and to help the people in the local community. The company supports schools, churches, non-profit organizations, and local sports and cultural events. Overall, Franklin Financial Services Corp. is a strong, diversified financial company that offers its customers a wide range of high-quality services. The company takes pride in being a trusted partner for individuals, families, and businesses in the community. Franklin Financial Services Corp. is committed to providing its customers with the best possible solutions to build a successful financial future.

Franklin Financial Services SWOT Analysis

Strengths

1. Established Reputation: Franklin Financial Services Corp has built a strong reputation in the financial services industry, contributing to customer trust and loyalty.

2. Diverse Products and Services: The company offers a wide range of financial products and services, including banking, investment, insurance, and wealth management, catering to various customer needs.

3. Strong Financial Position: Franklin Financial Services Corp exhibits a robust financial position with healthy revenue growth, solid profitability, and manageable debt levels, enhancing its stability and ability to weather economic downturns.

4. Technological Advancements: The company has invested in technology and digital platforms, enabling efficient operations, improved customer experiences, and competitive advantages in the digital era.

Weaknesses

1. Limited Market Presence: Franklin Financial Services Corp has a relatively smaller market presence compared to its major competitors, resulting in a potential disadvantage in terms of market share and brand recognition.

2. Lack of Geographic Diversification: The company operates predominantly in a specific region, making it susceptible to local economic fluctuations and regulatory changes, limiting its growth potential outside its current market.

3. Limited Product Innovation: The pace of introducing new, innovative financial products and services is slower compared to some competitors, potentially hindering the company's ability to meet evolving customer demands and preferences.

Opportunities

1. Market Expansion: Franklin Financial Services Corp can pursue strategic growth opportunities by expanding into new markets and regions, both domestically and internationally, to increase its customer base and revenue streams.

2. Fintech Collaborations: The company can explore partnerships or collaborations with fintech startups to leverage their innovative technologies, enhance service offerings, and improve operational efficiency.

3. Growing Demand for ESG Investments: With increasing interest in environmental, social, and governance (ESG) investments, Franklin Financial Services Corp can develop and promote sustainable investment products to capture this emerging market segment.

Threats

1. Intense Competition: The financial services industry is highly competitive, and Franklin Financial Services Corp faces intense competition from established players as well as emerging fintech companies, which may exert pressure on market share and profitability.

2. Regulatory and Compliance Risks: Strict regulations and evolving compliance requirements pose challenges for Franklin Financial Services Corp, requiring ongoing investments to ensure adherence and mitigate potential legal and reputational risks.

3. Economic Uncertainty: Economic fluctuations, recessions, or changes in interest rates can impact the company's profitability, loan quality, and overall financial performance, necessitating proactive risk management strategies.

Franklin Financial Services Segments

Franklin Financial Services Revenue by Segment

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Asset Management Fees
Estate Management Services Fees
Commision
Details
Date
Asset Management Fees
Estate Management Services Fees
Commision
Jan 1, 2018
5.1 M USD
314,000 USD
282,000 USD

Franklin Financial Services Eulerpool Fair Value

Franklin Financial Services historical P/E ratio, EBIT multiple, and P/S ratio

Franklin Financial Services annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Franklin Financial Services shares outstanding

The number of shares was Franklin Financial Services in 2025 — This indicates how many shares 4.478 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2006
3.6 M base_Shares
Jan 1, 2007
3.85 M base_Shares
Jan 1, 2008
3.83 M base_Shares
Jan 1, 2009
3.84 M base_Shares
Jan 1, 2010
3.89 M base_Shares
Jan 1, 2011
3.96 M base_Shares
Jan 1, 2012
4.07 M base_Shares
Jan 1, 2013
4.14 M base_Shares
Jan 1, 2014
4.2 M base_Shares
Jan 1, 2015
4.25 M base_Shares
Jan 1, 2016
4.3 M base_Shares
Jan 1, 2017
4.36 M base_Shares
Jan 1, 2018
4.4 M base_Shares
Jan 1, 2019
4.4 M base_Shares
Jan 1, 2020
4.36 M base_Shares

Franklin Financial Services Dividend History

27 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.33USDYTD
Feb 6, 20260.33USD 0.0%1/1
20251.31USD 2.3%
Feb 7, 20250.32USD 0.0%1/4
May 2, 20250.33USD 3.1%2/4
Aug 1, 20250.33USD 0.0%3/4
Nov 7, 20250.33USD 0.0%4/4
20241.28USD 0.0%
20231.28USD 0.0%
20221.28USD 2.4%
20211.25USD 4.2%
20201.2USD 2.6%
20191.17USD 11.4%
20181.05USD 16.7%
20170.9USD 9.8%

Franklin Financial Services dividend history and estimates

In 2025, Franklin Financial Services paid a dividend amounting to 1.31 USD. Dividend means that Franklin Financial Services distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Invalid Date
0 USD
0.99 USD
Invalid Date
0 USD
1.03 USD
Invalid Date
0 USD
1.07 USD
Invalid Date
0 USD
1.08 USD
Invalid Date
0 USD
1.08 USD
Invalid Date
0 USD
1.08 USD
Invalid Date
0 USD
0.78 USD
Invalid Date
0 USD
0.68 USD
Invalid Date
0 USD
0.68 USD
Invalid Date
0 USD
0.74 USD
Invalid Date
0 USD
0.82 USD
Invalid Date
0 USD
0.9 USD
Invalid Date
0 USD
1.05 USD
Invalid Date
1.17 USD
0.03 USD
Jan 1, 2020
1.2 USD
0 USD

Franklin Financial Services dividend payout ratio

In 2025, Franklin Financial Services had a payout ratio of 35.95%. The payout ratio indicates the percentage of the company's profits that Franklin Financial Services distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2006
47.14 %
Jan 1, 2007
42.92 %
Jan 1, 2008
47.77 %
Jan 1, 2009
63.16 %
Jan 1, 2010
55.1 %
Jan 1, 2011
65.06 %
Jan 1, 2012
59.09 %
Jan 1, 2013
45.03 %
Jan 1, 2014
34 %
Jan 1, 2015
30.83 %
Jan 1, 2016
43.62 %
Jan 1, 2017
180 %
Jan 1, 2018
75.54 %
Jan 1, 2019
31.88 %
Jan 1, 2020
40.82 %
Price targets and forecasts for Franklin Financial Services are not yet available.

Franklin Financial Services Earnings Estimates

Franklin Financial Services Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
4/28/20261.37USD23.77 MUSD2026 Q1
4/27/20261.37USD23.77 MUSD2026 Q1

EESG©

Eulerpool ESG Scorecard© for the Franklin Financial Services stock

37/100
2
Environment
47
Social
63
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Franklin Financial Services shareholder structure

% Name
8.4847%
Fourthstone LLC
Fourthstone LLC
5.10219%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
3.86223%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
2.21725%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
1.46084%
Bridgeway Capital Management, LLC
Bridgeway Capital Management, LLC
1.23442%
Mowery (Donald H)
Mowery (Donald H)
1.1849%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
1.02637%
Marshall Wace LLP
Marshall Wace LLP
0.91535%
Logan Capital Management, Inc.
Logan Capital Management, Inc.
0.91386%
State Street Investment Management (US)
State Street Investment Management (US)
...

Franklin Financial Services Executives and Management Board

CC

Mr. Charles Carroll

(53)

Executive Vice President, Chief Operating Officer, F&M Trust

Compensation497,946 USD
MH

Mr. Mark Hollar

(63)

Chief Financial Officer, Executive Vice President, Treasurer

Compensation406,347 USD
SB

Mr. Steven Butz

(60)

Senior Vice President and Chief Commercial Services Market Manager, F&M Trust

Compensation324,681 USD
LH

Ms. Lorie Heckman

(61)

Executive Vice President and Chief Risk Officer F&M Trust

Compensation232,272 USD
GE

Mr. G. Warren Elliott

(70)

Independent Chairman of the Board

Compensation148,620 USD

Frequently asked questions about Franklin Financial Services

The business model of Franklin Financial Services Corp revolves around providing financial services to its customers. As a financial holding company, Franklin Financial Services Corp offers a wide range of services, including commercial and retail banking, trust and investment management, and insurance products. The company aims to meet the financial needs of individuals, businesses, and organizations in its market area. With a customer-centric approach, Franklin Financial Services Corp strives to deliver personalized solutions, exceptional customer service, and strong financial performance. Through its diversified offerings and commitment to the community, Franklin Financial Services Corp aims to create long-term value for its shareholders and stakeholders.

All fundamentals and in-depth analysis of Franklin Financial Services

Our stock analysis for Franklin Financial Services Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Franklin Financial Services Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.