# Franklin Financial Services share price today (Franklin Financial Services Corporation, FRAF)

> Franklin Financial Services Corporation's earnings have grown faster than its share price. Earnings per share grew +88.8% in a year while the price moved +55.0%. FRAF · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/fraf

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## Key numbers

- Business trend: Turning around, from the last 12 quarters
- Price: $71.39 (+55.0% in a year)
- P/BV: 1.8× (higher than 100% of the last 1 year)
- Revenue (Jun 2026): $22.9 M (+5.3% on a year ago)
- Profit (Jun 2026): $6.6 M (+11.9% on a year ago)
- Net margin: 28.9% (+1.7 points on a year ago)
- ROE: 16%, FY25
- ROA: 1.19%, latest

The main question: yearly earnings per share moved +88.8% while the share price moved +55.0%. ## What is the Franklin Financial Services share price today? Franklin Financial Services Corporation's share price was $71.39 at the close on 4 November 2026. That is 22.2% above its average price over the last 200 trading days. In the last 52 weeks it traded between $46 and $71, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 2 weeks in a row. Over the last 1 year the share price moved +85% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Franklin Financial Services pay? Franklin Financial Services Corporation paid $1.33 per share over the last four reported quarters. The most recent declaration was $0.34 for Jun 2026. At today's price of $71.39 that is a yield of 1.86%, based on dividends already paid, not a forecast. ## Which stock lists is Franklin Financial Services on? Franklin Financial Services is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Franklin Financial Services profitable? Franklin Financial Services Corporation earned $6.6 M of net profit in the Jun 2026 quarter, +11.9% on the same quarter a year earlier. That is the 6th quarter in a row of profit growth. Full-year FY25 profit was $21.2 M. Over 4 years profit has grown 2.0% a year on average. That is 28.9% of the quarter's revenue. The same quarter a year earlier earned $5.9 M. For the full year, FY25 profit was $21.2 M (+91.2% on the year before). Why profit moved: revenue changed +5.3% on a year earlier and the margin moved +1.7 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed +312.2% and revenue +24.1%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Franklin Financial Services make, and is it growing? Franklin Financial Services Corporation reported $22.9 M of income in the Jun 2026 quarter, +5.3% on the same quarter a year earlier. That is the 6th quarter in a row with growth on the year before. Over 4 years it has grown 6.8% a year on average. The last full year, FY25, came in at $85.9 M. The last four reported quarters add to $91.3 M. FY25 revenue was $85.9 M, +24.1% on the year before. Recent pace: the last four quarters grew +24.1% on average, against 6.8% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +21.8%, against +14.8% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +69.6%, against +34.0% a year (accelerating). ## How much does Franklin Financial Services keep from what it earns? Franklin Financial Services Corporation's net margin was 28.9% in the Jun 2026 quarter, 1.7 percentage points higher than the same quarter a year ago. Across 5 years it has been between 16.0% and 29.7%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Franklin Financial Services' loans have gone bad? Franklin Financial Services Corporation does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Franklin Financial Services' loan book growing? Franklin Financial Services Corporation's revenue was $85.9 M in FY25, +24.1% on the year before, so the loan book is growing. The latest quarter was +5.3% on a year earlier. The net margin on that income is 28.9%, +1.7 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Franklin Financial Services' P/BV ratio, and how does it compare with its own history? Franklin Financial Services Corporation's P/BV is 1.8×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.4×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +55.0%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Franklin Financial Services business getting better or worse? Franklin Financial Services Corporation's business is turning around. EPS growth has swung from −16.7% at its low to +68.5%, rising from a low 5 quarters ago, with ROE rising at 13.4%. This is based on 12 quarters of 4 measures. Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it. ## How much does Franklin Financial Services earn on its equity and assets? Franklin Financial Services Corporation earned a return on equity of 12% in FY25. Its lowest yearly reading on file was 8% in FY24. On its assets, every $100 earned about $1.19, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 2.0% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Franklin Financial Services have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Franklin Financial Services shareholding pattern? 6.1% of Franklin Financial Services Corporation's tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 6.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Franklin Financial Services from balance-sheet trouble? For Franklin Financial Services Corporation, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Franklin Financial Services rank in its industry? There is no score against its industry: Franklin Financial Services Corporation is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Franklin Financial Services compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Franklin Financial Services in size? Franklin Financial Services is the 244th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: CoastalSouth Bancshares, Inc., Chain Bridge Bancorp, Inc. and John Marshall Bancorp, Inc. Just below it: Isabella Bank Corporation, NewtekOne, Inc. and First Community Corporation. ### Banks - Regional companies close in size

1. [CoastalSouth Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/coso) $337 million
2. [Chain Bridge Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/cbna) $336 million
3. [John Marshall Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/jmsb) $331 million
4. Franklin Financial Services Corporation $321 million
5. [Isabella Bank Corporation](https://www.sectoralpha.in/us/stocks/isba) $321 million
6. [NewtekOne, Inc.](https://www.sectoralpha.in/us/stocks/newt) $318 million
7. [First Community Corporation](https://www.sectoralpha.in/us/stocks/fcco) $317 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Alpine Income Property Trust, Inc.](https://www.sectoralpha.in/us/stocks/pine) $319 million · REIT - Retail
2. [Vox Royalty Corp.](https://www.sectoralpha.in/us/stocks/voxr) $318 million · Other Precious Metals & Mining
3. Franklin Financial Services Corporation $318 million
4. [Agencia Comercial Spirits Ltd](https://www.sectoralpha.in/us/stocks/agcc) $318 million · Beverages - Wineries & Distilleries
5. [PrimeEnergy Resources Corporation](https://www.sectoralpha.in/us/stocks/pnrg) $316 million · Oil & Gas Exploration & Production

## What else do people ask about Franklin Financial Services? ### What were Franklin Financial Services's latest quarterly results? Franklin Financial Services Corporation reported total income of $22.9 M and net profit of $6.6 M for the Jun 2026 quarter. Income rose 5.3% and profit rose 11.9% compared with a year earlier. Earnings per share were $1.47 (as of 4 November 2026). ### What is Franklin Financial Services's market cap? Franklin Financial Services Corporation's market capitalisation is $321 M at a stock price of $71.39. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Franklin Financial Services performing? Franklin Financial Services Corporation's latest readings are below. In its latest quarter, income rose 5.3% and profit rose 11.9% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 2 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Franklin Financial Services's stock price go up? This page does not forecast Franklin Financial Services Corporation's stock price. What it shows instead: the stock price is $71.39. Its P/BV of 1.8× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Franklin Financial Services in its business cycle? Franklin Financial Services Corporation's FY25 net margin was 24.7%, against a 5-year range of 16.0% to 29.7%: the middle of its own range, neither a peak nor a low. The latest quarter was 28.9%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Franklin Financial Services story? The main question: yearly earnings per share moved +88.8% while the share price moved +55.0%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Franklin Financial Services a stock worth studying right now? What the numbers show: Franklin Financial Services Corporation's earnings have grown faster than its share price. Earnings per share grew +88.8% in a year while the price moved +55.0%. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.