FRANKLIN FINANCIAL SERVICES CORP (FRAF)
Financials · Regional community banking · NASDAQ
A Pennsylvania-based community bank holding company serving small and mid-market businesses and individuals across a regional footprint with commercial lending, deposits, and wealth management.
What FRANKLIN FINANCIAL SERVICES CORP does
Franklin Financial Services is a bank holding company that conducts its operations primarily through Farmers and Merchants Trust Company (F&M Trust), a Pennsylvania-chartered commercial bank established in 1906. The company operates 23 community banking offices across Pennsylvania and Maryland counties, offering full-service commercial and retail banking including deposit accounts, commercial and consumer lending, and wealth management and trust services. The bank serves small and medium-sized businesses, individuals, governmental entities, and non-profit organizations across its primary market area.
Themes: ["Community banking","Commercial real estate lending","Retail banking","Wealth management / trust services","Mid-market commercial lending"]
Fundamentals
- Price$61.28 as of 2026-07-09 close
- Market cap$276M as of 2026-07-10
- 1-year return+62.6% as of 2026-07-09 close
- P/E11.54 as of 2026-07-10
- Net margin+20.1% as of 2026-07-10
- ROE+14.1% as of 2026-07-10
- Debt / equity0.06 as of 2026-07-10
- Revenue growth (YoY)+40.0% as of 2026-07-10
- Beta-0.00 as of 2026-07-10
Dividend: yield +2.2%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration risk in Pennsylvania and Maryland regional real estate market; commercial real estate loan portfolio heavily dependent on regional business operations and property values","Interest rate sensitivity affecting net interest margin; deposits funding loan portfolio subject to competition and repricing pressure in rising rate environment","Credit risk from loan portfolio concentrated in small and medium-sized businesses and real estate-dependent borrowers in limited geographic footprint"]
Competitors & peers
- First National Corporation (FNLC)
- Mid Penn Bancorp (MPB)
- ESB Financial Corporation (ESBK)
- Orrstown Financial Services (ORSF)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.