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How to buy Franklin Financial Services stock

Learn how to easily invest in Franklin Financial Services stock.

Franklin Financial Services is a banks-regional business based in the US. Franklin Financial Services shares (FRAF) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy Franklin Financial Services stock

  1. Open a stock trading account. Use our comparison table or choose from our Top Picks.
  2. Confirm your payment details. Fund your account with a bank transfer, debit card or credit card and take advantage of any signup bonuses.
  3. Search for the stock by name or ticker symbol – FRAF. It's that simple.

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Franklin Financial Services stock price (NASDAQ: FRAF)

Use our graph to track the performance of FRAF stocks over time.

Franklin Financial Services shares at a glance

Information last updated 2023-01-25.
Latest market close$33.25
52-week range$27.49 - $36.55
50-day moving average $32.42
200-day moving average $31.74
Wall St. target priceN/A
PE ratio 10.0299
Dividend yield $0 (3.8%)
Earnings per share (TTM) $3.34

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Is it a good time to buy Franklin Financial Services stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Franklin Financial Services price performance over time

Historical closes compared with the close of $33.25 from 2023-01-30

1 week (2023-01-24) -1.22%
1 month (2022-12-30) -7.89%
3 months (2022-10-28) 1.50%
6 months (2022-07-28) 3.68%
1 year (2022-02-01) -2.21%
2 years (2021-02-01) 23.84%
3 years (2020-01-31) 36.52
5 years (2018-01-31) 36.9

Is Franklin Financial Services stock undervalued or overvalued?

Valuing Franklin Financial Services stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Franklin Financial Services's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Franklin Financial Services's P/E ratio

Franklin Financial Services's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 10x. In other words, Franklin Financial Services shares trade at around 10x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Franklin Financial Services financials

Revenue TTM $66.2 million
Operating margin TTM 26.43%
Gross profit TTM $66.2 million
Return on assets TTM 0.83%
Return on equity TTM 11.27%
Profit margin 22.57%
Book value $24.60
Market capitalisation $147 million

TTM: trailing 12 months

Franklin Financial Services share dividends

38%

Dividend payout ratio: 38.32% of net profits

Recently Franklin Financial Services has paid out, on average, around 38.32% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.8% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Franklin Financial Services shareholders could enjoy a 3.8% return on their shares, in the form of dividend payments. In Franklin Financial Services's case, that would currently equate to about $0 per share.

While Franklin Financial Services's payout ratio might seem fairly standard, it's worth remembering that Franklin Financial Services may be investing much of the rest of its net profits in future growth.

Franklin Financial Services's most recent dividend payout was on 27 November 2022. The latest dividend was paid out to all shareholders who bought their shares by 31 October 2022 (the "ex-dividend date").

Have Franklin Financial Services's shares ever split?

Franklin Financial Services's shares were split on a 125:100 basis on 28 June 2004. So if you had owned 100 shares the day before before the split, the next day you'd have owned 125 shares. This wouldn't directly have changed the overall worth of your Franklin Financial Services shares – just the quantity. However, indirectly, the new 20% lower share price could have impacted the market appetite for Franklin Financial Services shares which in turn could have impacted Franklin Financial Services's share price.

Franklin Financial Services share price volatility

Over the last 12 months, Franklin Financial Services's shares have ranged in value from as little as $27.4939 up to $36.55. A popular way to gauge a stock's volatility is its "beta".

FRAF.US volatility(beta: 0.57)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Franklin Financial Services's is 0.5661. This would suggest that Franklin Financial Services's shares are less volatile than average (for this exchange).

Franklin Financial Services overview

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc. , operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania.

Frequently asked questions

What percentage of Franklin Financial Services is owned by insiders or institutions?
Currently 4.589% of Franklin Financial Services shares are held by insiders and 21.628% by institutions.
When does the fiscal year end for Franklin Financial Services?
Franklin Financial Services's fiscal year ends in December.
Where is Franklin Financial Services based?
Franklin Financial Services's address is: 20 South Main Street, Chambersburg, PA, United States, 17201-0819
What is Franklin Financial Services's ISIN number?
Franklin Financial Services's international securities identification number is: US3535251082
What is Franklin Financial Services's CUSIP number?
Franklin Financial Services's Committee on Uniform Securities Identification Procedures number is: 353525108

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