Franklin Financial Services Corp (FRAF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Franklin Financial Services Corp stock (FRAF) is currently trading at $50.14. Franklin Financial Services Corp PE ratio is 10.23. Franklin Financial Services Corp PS ratio (Price-to-Sales) is 2.53. Analyst consensus price target for FRAF is $59.00. WallStSmart rates FRAF as Buy.
- FRAF PE ratio analysis and historical PE chart
- FRAF PS ratio (Price-to-Sales) history and trend
- FRAF intrinsic value — DCF, Graham Number, EPV models
- FRAF stock price prediction 2025 2026 2027 2028 2029 2030
- FRAF fair value vs current price
- FRAF insider transactions and insider buying
- Is FRAF undervalued or overvalued?
- Franklin Financial Services Corp financial analysis — revenue, earnings, cash flow
- FRAF Piotroski F-Score and Altman Z-Score
- FRAF analyst price target and Smart Rating
Franklin Financial Services Corp
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FRAF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Franklin Financial Services Corp (FRAF)
FRAF trades at a significant discount to its Graham intrinsic value of $221.83, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Franklin Financial Services Corp (FRAF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
Franklin Financial Services Corp (FRAF) Key Strengths (6)
Keeps $35 of every $100 in revenue after operating costs
Revenue surging 54.70% year-over-year
Earnings per share surging 1199.00% year-over-year
Keeps $25 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.24x book value, attractively priced
Supporting Valuation Data
Franklin Financial Services Corp (FRAF) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 2.53x sales
Moderate institutional interest at 35.62%
Franklin Financial Services Corp (FRAF) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including PEG Ratio (1.03), Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.80%, Profit Margin at 24.70%. Growth metrics are encouraging with Revenue Growth at 54.70%, EPS Growth at 1199.00%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.53) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 13.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 54.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FRAF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FRAF's Price-to-Sales ratio of 2.53x trades at a 22% premium to its historical average of 2.08x (73th percentile). The current valuation is 28% below its historical high of 3.52x set in Nov 2017, and 138% above its historical low of 1.06x in Dec 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Franklin Financial Services Corp (FRAF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Franklin Financial Services Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 86M with 55% growth year-over-year. Profit margins are strong at 24.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 55% YoY, reaching 86M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 24.7% and operating margin of 34.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Franklin Financial Services Corp maintain 55%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Franklin Financial Services Corp.
Bottom Line
Franklin Financial Services Corp offers an attractive blend of growth (55% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(29 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SNOOK, GREGORY I Director | Buy | +2,200 |
| Insider | Type | Shares |
|---|---|---|
DUFFEY, GREGORY A Director | Buy | +19 |
| Insider | Type | Shares |
|---|---|---|
CARROLL, CHARLES BENNER JR COO | Buy | +380 |
Data sourced from SEC Form 4 filings
Last updated: 11:35:47 AM
About Franklin Financial Services Corp(FRAF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Franklin Financial Services Corporation is the banking holding company for the Farmers and Merchants Trust Company of Chambersburg providing commercial, retail and trust banking services to small and medium-sized businesses, individuals, government entities, and non-profit organizations in Pennsylvania. The company is headquartered in Chambersburg, Pennsylvania.