Stocktoria
FRANKLIN FINANCIAL SERVICES CORP /PA/ FRAF
FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.06% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FRAF | FRANKLIN FINANCIAL SERVICES CORP /PA/ | 4/9 | — | 13.4 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About FRANKLIN FINANCIAL SERVICES CORP /PA/
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; safe deposit; and pension and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
FAQ
Is FRAF financially healthy?
FRANKLIN FINANCIAL SERVICES CORP /PA/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FRAF pay a dividend, and is it safe?
Yes. FRANKLIN FINANCIAL SERVICES CORP /PA/ pays a dividend yielding about 2.06% with a 27.5% payout ratio, rated “safe” for safety.
How profitable is FRAF?
In FY2025, FRANKLIN FINANCIAL SERVICES CORP /PA/ had a return on equity of 12.1%.
Is FRAF overvalued or undervalued?
FRANKLIN FINANCIAL SERVICES CORP /PA/ trades at about 13.5× trailing earnings — above its 10-year norm (10-year range 7.5×–73.8×, median 10.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FRAF?
The average Wall-Street price target for FRANKLIN FINANCIAL SERVICES CORP /PA/ is $64.00, about 0.2% below the recent price, from 1 analysts.
Is FRAF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FRANKLIN FINANCIAL SERVICES CORP /PA/: a Piotroski F-score of 4/9, a P/E of about 13.4×, a dividend yield of 2.06%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.