# Franklin Financial Services Corporation (FRAF) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $70.68, market value $318 million.

## Valuation
- **P/E (trailing): 11.4×** (5-yr avg 9.4×, 3-yr avg 10.4×). Franklin Financial Services Corporation trades at 11.4× trailing earnings, well above its own five-year average of 9.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.11**. A PEG of 0.11 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.8%**. The inverse of the P/E: 8.8% of the price is earned each year.

## Profitability
- **Return on equity: 12.1%**. 12.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 88.8%** (3-yr 12.2%/yr, 5-yr 10.1%/yr). Earnings per share rose 88.8%.

## Dividends
- **Dividend yield: 1.93%** ($1.34 per share, trailing). Franklin Financial Services Corporation yields 1.93%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%**. 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.8%/yr** (1-yr 2.3%). The dividend has grown 1.8% a year over five years.
- **Shareholder yield: 2.4%**. Dividends plus net buybacks return 2.4% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (1 analyst). 1 analysts cover Franklin Financial Services Corporation; the consensus is hold, with an average price target of $74.00 (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 63.2%** (YTD 46.2%, 3-mo 15.0%). The shares are up 63.2% over twelve months including dividends.
- **From 52-week high: -4.1%** (56.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 85**. An RSI of 85 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.39** (volatility 30%). Beta of 0.39 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FRAF · Page: https://foliofundamentals.com/stocks/fraf

Not investment advice.