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Franklin Financial Services Corporation FRAF | NASDAQ

$62.47 -$0.28 | -0.45%

SIGNAL:

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|2026-09-24 |F&G 40 |RSI 43.8

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Company Overview:

Market Cap: $281.09M

Trailing PE: 11.4x

FWD PE *: 10.2x

Payout Ratio (TTM): 24.2%

52-Week Range: $43.47 - $65.41

* Forward PE is based on street estimates.

10 Year FRAF Performance Metrics:

Total Return (with DRIP): 266.8% (13.88% CAGR)

Total Return (no DRIP): 206.1% (11.84% CAGR)

Share Price: 157.0% (9.90% CAGR)

Yield on Cost (with DRIP): 7.99%

Total Invested: $10,000

Total Value (with DRIP): $36,682

Total Return $ (with DRIP): $26,682

Dividend Increase: 61.9% (5.06% CAGR)

Dividend Yield (FWD): 2.18% ($1.36)

FRAF 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

FRAF Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

FRAF Price CAGR:1Y: 34.84%2Y: 43.99%5Y: 14.33%10Y: 9.90%

FRAF Dividend Charts

FRAF - Dividends

FRAF Dividend CAGR:1Y: 3.03%2Y: 3.08%5Y: 1.22%10Y: 4.94%

FRAF - Dividend Payout Ratio

FRAF Dividend Payout Ratio CAGR:1Y: -7.23%2Y: -29.44%5Y: -2.38%10Y: -8.76%

FRAF - Dividend to Free Cash Flow Ratio

FRAF Dividend to FCF Ratio CAGR:1Y: -14.17%2Y: -42.22%5Y: -21.70%10Y: -4.61%

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FRAF Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

FRAF - Revenue

FRAF Revenue CAGR:1Y: 2.16%2Y: 8.89%5Y: 17.86%10Y: 11.88%

FRAF - Earnings Per Share (EPS)

FRAF EPS CAGR:1Y: 11.36%2Y: 49.24%5Y: 4.32%10Y: 15.11%

FRAF - Net Income

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FRAF Net Income CAGR:1Y: 11.90%2Y: 47.64%5Y: 4.63%10Y: 15.53%

FRAF - EBITDA

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FRAF EBITDA CAGR:1Y: 11.59%2Y: 44.76%5Y: 5.75%10Y: 0.00%

FRAF - Free Cash Flow

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FRAF Free Cash Flow CAGR:1Y: 20.95%2Y: 80.29%5Y: 30.46%10Y: 10.49%

FRAF - Free Cash Flow / Share

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FRAF Free Cash Flow / Share CAGR:1Y: 18.82%2Y: 77.86%5Y: 30.04%10Y: 9.98%

FRAF - Operating Income

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FRAF Operating Income CAGR:1Y: 12.72%2Y: 49.73%5Y: 2.73%10Y: 13.93%

FRAF - Gross Profit

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FRAF Gross Profit CAGR:1Y: 7.00%2Y: 13.71%5Y: 9.09%10Y: 7.49%

FRAF - Shares Outstanding

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FRAF Shares Outstanding CAGR:1Y: 1.60%2Y: -1.07%5Y: 0.24%10Y: 0.46%

FRAF - Share Buybacks

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FRAF Share Buybacks CAGR:1Y: 18.24%2Y: -6.58%5Y: -13.09%10Y: 0.00%

FRAF - Stock-Based Comp

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FRAF Stock-Based Comp CAGR:1Y: -22.42%2Y: 14.60%5Y: 26.61%10Y: 17.35%

FRAF - Expenses

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FRAF Expenses CAGR:1Y: 275.40%2Y: 9.08%5Y: 67.03%10Y: 17.66%

FRAF - Revenue vs Net Income

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FRAF - EPS vs FCF / Share

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FRAF - EPS vs PE Ratio

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FRAF - FCF vs FCF / Share

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FRAF - FCF vs Stock Based Comp

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FRAF - Cash & Debt

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FRAF - Revenue by Segment

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FRAF Revenue CAGR:1Y: 2.16%2Y: 8.89%5Y: 17.86%10Y: 11.88%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FRAF - REVENUE: Actual + Estimates

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FRAF Actual Revenue CAGR:1Y: 2.16%2Y: 8.89%5Y: 17.86%10Y: 11.88%

FRAF - EPS: Actual + Estimates

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FRAF Actual EPS CAGR:1Y: 11.36%2Y: 49.24%5Y: 4.32%10Y: 15.11%

FRAF - NET INCOME: Actual + Estimates

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FRAF Actual Net Income CAGR:1Y: 11.90%2Y: 47.64%5Y: 4.63%10Y: 15.53%

FRAF - EBITDA: Actual + Estimates

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FRAF Actual EBITDA CAGR:1Y: 11.59%2Y: 44.76%5Y: 5.75%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

FRAF - Net Profit Margin

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FRAF Net Profit Margin CAGR:1Y: 9.54%2Y: 35.60%5Y: -11.22%10Y: 3.26%

FRAF - Gross Profit Margin

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FRAF Gross Profit Margin CAGR:1Y: 4.73%2Y: 4.43%5Y: -7.44%10Y: -3.92%

FRAF - Price to Earnings

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FRAF Price to Earnings CAGR:1Y: 62.32%2Y: 2.14%5Y: 9.69%10Y: -4.18%

FRAF - Price To Sales Ratio

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FRAF Price To Sales Ratio CAGR:1Y: 80.12%2Y: 38.50%5Y: -2.62%10Y: -1.05%

FRAF - Return on Capital Employed

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FRAF Return on Capital Employed CAGR:1Y: 7.97%2Y: 57.21%5Y: 36.05%10Y: 25.54%

FRAF - Return on Invested Capital

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FRAF Return on Invested Capital CAGR:1Y: 6.18%2Y: 54.22%5Y: -14.72%10Y: -1.11%

FRAF Dividends Info:

Annual Dividend: $1.36

Forward Yield: 2.18%

Ex-Dividend Date: 2026-08-07

Lifetime Dividends / Share: $27.96

FRAF Dividend History: Dates, Payments & Yield list

Below is a schedule of all FRAF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/07/2026	08/10/2026	$0.340	2.18%	2.2%	$61.79
05/01/2026	05/04/2026	$0.340	2.38%	2.42%	$56.12
02/06/2026	02/09/2026	$0.330	2.75%	2.73%	$48.36
11/07/2025	11/10/2025	$0.330	2.87%	2.8%	$47.15
08/01/2025	08/04/2025	$0.330	3.38%	3.38%	$39.00
05/02/2025	05/05/2025	$0.330	3.43%	3.42%	$38.56
02/07/2025	02/10/2025	$0.320	3.5%	3.42%	$37.45
11/01/2024	11/04/2024	$0.320	3.91%	3.91%	$32.70
08/02/2024	08/05/2024	$0.320	3.96%	4.13%	$31.00
05/01/2024	05/03/2024	$0.320	4.34%	4.44%	$28.82
01/31/2024	02/02/2024	$0.320	3.96%	3.96%	$32.29
11/02/2023	11/06/2023	$0.320	4.01%	3.9%	$32.80
08/03/2023	08/07/2023	$0.320	4.34%	4.27%	$30.01
05/04/2023	05/08/2023	$0.320	5.25%	5.18%	$24.70
02/02/2023	02/06/2023	$0.320	3.84%	3.86%	$33.20
11/01/2022	11/28/2022	$0.320	3.95%	4.08%	$31.34
08/04/2022	08/24/2022	$0.320	4%	4%	$32.00
05/05/2022	05/25/2022	$0.320	4.08%	4.36%	$29.39
02/03/2022	02/23/2022	$0.320	3.79%	3.81%	$33.56
11/04/2021	11/24/2021	$0.320	3.96%	3.91%	$32.70
08/05/2021	08/25/2021	$0.320	3.88%	3.98%	$32.15
05/06/2021	05/26/2021	$0.310	4.15%	4.07%	$30.50
02/04/2021	02/24/2021	$0.300	4.13%	4.33%	$27.69
11/05/2020	11/25/2020	$0.300	5.16%	4.14%	$28.97
08/06/2020	08/26/2020	$0.300	4.8%	5.05%	$23.76
04/30/2020	05/27/2020	$0.300	4.15%	4.56%	$26.32
02/06/2020	02/26/2020	$0.300	3.27%	3.3%	$36.34
10/31/2019	11/27/2019	$0.300	3.35%	3.28%	$36.62
08/01/2019	08/28/2019	$0.300	3.34%	3.77%	$31.79
05/02/2019	05/22/2019	$0.300	3.1%	3.1%	$38.69
01/31/2019	02/27/2019	$0.270	2.99%	3%	$36.05
11/01/2018	11/28/2018	$0.270	3.17%	3.25%	$33.25
08/02/2018	08/22/2018	$0.270	3.15%	3.13%	$34.56
05/03/2018	05/23/2018	$0.270	3.02%	2.99%	$36.10
02/01/2018	02/28/2018	$0.240	2.63%	2.8%	$34.24
11/02/2017	11/22/2017	$0.240	2.54%	2.54%	$37.75
08/02/2017	08/23/2017	$0.240	2.89%	2.91%	$33.00
05/03/2017	05/24/2017	$0.210	2.71%	2.65%	$31.75
02/01/2017	02/22/2017	$0.210	2.86%	2.79%	$30.10
11/02/2016	11/23/2016	$0.210	3.39%	3.18%	$26.40
08/03/2016	08/24/2016	$0.210	3.49%	3.48%	$24.17
05/04/2016	05/25/2016	$0.210	3.57%	3.57%	$23.50
02/03/2016	02/24/2016	$0.190	3.55%	3.58%	$21.25
11/04/2015	11/25/2015	$0.190	3.27%	3.18%	$23.90
08/05/2015	08/26/2015	$0.190	3.17%	3.19%	$23.81
05/06/2015	05/27/2015	$0.190	3.01%	3.03%	$25.10
02/04/2015	02/25/2015	$0.170	3.15%	3.09%	$22.00
11/05/2014	11/26/2014	$0.170	3.2%	2.98%	$22.80
08/06/2014	08/27/2014	$0.170	3.43%	3.43%	$19.85
05/07/2014	05/28/2014	$0.170	3.68%	3.58%	$19.00
02/05/2014	02/26/2014	$0.170	3.95%	3.91%	$17.40
11/06/2013	11/27/2013	$0.170	4.12%	4%	$17.00
08/07/2013	08/28/2013	$0.170	4.28%	4.28%	$15.90
05/08/2013	05/22/2013	$0.170	3.89%	4.1%	$16.59
02/06/2013	02/27/2013	$0.170	4.8%	4.12%	$16.50
11/07/2012	11/28/2012	$0.170	5.03%	4.91%	$13.85
08/08/2012	08/22/2012	$0.170	5%	5.04%	$13.50
05/08/2012	05/23/2012	$0.170	4.77%	4.9%	$13.89
02/01/2012	02/22/2012	$0.270	7.35%	7.3%	$14.80
11/02/2011	11/23/2011	$0.270	7.01%	7.41%	$14.58
08/03/2011	08/24/2011	$0.270	6.67%	6.59%	$16.40
05/04/2011	05/25/2011	$0.270	5.93%	5.95%	$18.15
02/02/2011	02/23/2011	$0.270	5.41%	5.58%	$19.35
11/03/2010	11/24/2010	$0.270	6.41%	6.26%	$17.25
08/04/2010	08/27/2010	$0.270	6.35%	6.35%	$17.00
05/05/2010	05/28/2010	$0.270	6.05%	6%	$18.00
02/03/2010	02/26/2010	$0.270	6.65%	6.75%	$16.00
11/04/2009	11/27/2009	$0.270	6.45%	6.55%	$16.50
08/05/2009	08/29/2009	$0.270	6.59%	6.59%	$16.40
05/06/2009	05/29/2009	$0.270	6.32%	6.65%	$16.25
02/04/2009	02/27/2009	$0.270	6.3%	7.58%	$14.25
11/05/2008	11/28/2008	$0.270	5.2%	6.26%	$17.25
08/06/2008	08/29/2008	$0.270	4.8%	4.79%	$22.55
05/07/2008	05/30/2008	$0.270	4.54%	4.54%	$23.80
02/06/2008	02/29/2008	$0.260	4.35%	4.4%	$23.65
11/07/2007	11/30/2007	$0.260	4.24%	4.2%	$24.75
08/08/2007	08/31/2007	$0.260	4.04%	4.12%	$25.25
05/02/2007	05/25/2007	$0.260	3.8%	3.82%	$27.25
01/31/2007	02/23/2007	$0.250	3.66%	3.66%	$27.30
11/01/2006	11/24/2006	$0.250	3.68%	3.69%	$27.10
08/02/2006	08/25/2006	$0.250	3.83%	3.85%	$25.95
05/03/2006	05/26/2006	$0.250	3.96%	3.92%	$25.50
02/01/2006	02/24/2006	$0.240	3.84%	3.82%	$25.13
11/02/2005	11/25/2005	$0.240	3.89%	3.8%	$25.25
08/03/2005	08/26/2005	$0.240	3.8%	3.92%	$24.50
05/04/2005	05/27/2005	$0.240	3.69%	3.64%	$26.40
02/02/2005	02/25/2005	$0.230	3.41%	3.35%	$27.50
11/03/2004	11/26/2004	$0.230	3.36%	3.48%	$26.40
08/04/2004	08/27/2004	$0.230	3.64%	3.72%	$24.75
05/05/2004	05/21/2004	$0.208	3.01%	3%	$27.76
02/04/2004	02/27/2004	$0.208	2.99%	3.03%	$27.49
11/05/2003	11/28/2003	$0.208	3.17%	3.06%	$27.20
08/06/2003	08/29/2003	$0.208	3.33%	3.35%	$24.80
05/07/2003	05/30/2003	$0.208	3.76%	3.65%	$22.80
02/05/2003	02/28/2003	$0.192	3.59%	3.59%	$21.40
11/06/2002	11/29/2002	$0.192	3.62%	3.61%	$21.28
08/07/2002	08/30/2002	$0.192	3.71%	3.71%	$20.72
05/08/2002	05/31/2002	$0.192	3.81%	3.41%	$22.52
03/26/2002	04/18/2002	$0.200	4.03%	4.03%	$19.84
02/05/2002	02/28/2002	$0.176	3.52%	3.56%	$19.80
11/07/2001	11/30/2001	$0.176	3.64%	3.59%	$19.60
08/08/2001	08/31/2001	$0.176	3.78%	3.59%	$19.60
05/08/2001	05/31/2001	$0.220	6.03%	5.79%	$15.20
02/07/2001	02/28/2001	$0.160	4.92%	4.72%	$13.55
11/08/2000	11/30/2000	$0.160	4.78%	5.08%	$12.60
08/08/2000	08/31/2000	$0.160	4.71%	4.89%	$13.10
03/18/1999	04/15/1999	$0.400	6.67%	6.2%	$25.80
02/08/1999	02/26/1999	$0.160	2.74%	2.81%	$22.80
11/06/1998	11/30/1998	$0.160	2.6%	2.6%	$24.60
08/10/1998	08/31/1998	$0.160	2.18%	2.32%	$27.60
05/08/1996	05/31/1996	$0.101	2.47%	2.47%	$16.40
02/13/1996	02/29/1996	$0.101	2.74%	2.71%	$14.93
11/08/1995	11/30/1995	$0.100	3.01%	2.71%	$14.67
08/09/1995	08/31/1995	$0.100	3.19%	3.12%	$12.76
05/08/1995	05/31/1995	$0.092	2.95%	3.04%	$12.18
10/31/1994	11/30/1994	$0.089	2.69%	2.7%	$13.16
05/06/1994	05/31/1994	$0.089	2.86%	2.76%	$12.89

Projected Future Returns & Dividends for FRAF

Based on past 10-year performance, here are FRAF growth metrics:

Share price CAGR of +9.9%
Dividend CAGR of +4.96%

Using FRAF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	FRAF (DRIP)	FRAF - No DRIP
Current Price	$62.47	$62.47
Start Shares	160.08	160.08
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	191.29	160.08
Dividends Payment	$0.55	$0.55
Annual Dividends	$422	$353
Yield on cost	4.22%	3.53%
Share Price	$160.53	$160.53
Total Dividends	$3,026	$2,733
Final Value	$30,708	$28,430

Estimated Future Value + Dividends - FRAF

NOTE: Above numbers are our estimate based on FRAF's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Franklin Financial Services Corporation (FRAF) had its IPO on 1994-04-06, and is traded on NASDAQ stock exchange.

Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.

FRAF website: https://www.franklinfin.com

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DCF Model — FRAF

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $62.47

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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