US · FRAF
Franklin Financial Services Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Chambersburg, PA 17201-0819
- Website
- franklinfin.com
Price · as of 2025-12-31
$57.14
Market cap 230.58M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $403.47 | +606.11% |
| Intrinsic Value(DCF) | $564.49 | +887.91% |
| Graham-Dodd Method(GD) | $60.58 | +6.01% |
| Graham Formula(GF) | $116.91 | +104.6% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.44 | $12.97 | $3.58 | $11.66 | $11.09 |
| 2012 | $10.49 | $55.06 | $23.60 | $15.20 | $1.64 |
| 2013 | $11.48 | $15.71 | $38.42 | $18.23 | $4.47 |
| 2014 | $15.52 | $40.72 | $42.05 | $22.33 | $15.50 |
| 2015 | $15.14 | $35.90 | $45.15 | $25.05 | $25.99 |
| 2016 | $21.91 | $17.82 | $46.61 | $22.12 | $20.34 |
| 2017 | $25.55 | $16.16 | $48.20 | $13.04 | $7.44 |
| 2018 | $28.64 | $129.16 | $52.56 | $16.21 | $25.54 |
| 2019 | $24.26 | $40.90 | $71.83 | $27.97 | $70.82 |
| 2020 | $27.59 | $102.73 | $64.68 | $27.95 | $9.84 |
| 2021 | $29.19 | $27.04 | $99.02 | $36.94 | $64.95 |
| 2022 | $28.78 | $25.91 | $112.10 | $21.49 | $59.15 |
| 2023 | $24.70 | $36.04 | $145.66 | $24.50 | $110.32 |
| 2024 | $35.90 | $47.23 | $406.02 | $24.16 | $82.89 |
| 2025 | $52.96 | $403.47 | $790.63 | $60.58 | $116.91 |
AI valuation
Our deep-learning model estimates Franklin Financial Services Corporation's (FRAF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $403.47
- Current price
- $57.14
- AI upside
- +606.11%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$564.49
+887.91% upside
Graham-Dodd
$60.58
+6.01% upside
Graham Formula
$116.91
+104.6% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FRAF | Franklin Financial Servic… | $57.14 | 230.58M | +606% | +888% | +6% | +105% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| AVBH | Avidbank Holdings, Inc. | $28.88 | 251.32M | +397% | +5,854% | +84% | -50% | -11.16 | 0.78 | 2.94 | -6.67 | -88.00 | 0.78 | 34.79% | -34.77% | 32.32% | -8.37% | -2.98% | -0.80% | 0.08 | -0.61 | — | — | -0.41 | 1268.00% | -380.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 91.95% | -8.89 | — | 3.09 | 0.12 |
| CBNA | Chain Bridge Bancorp, Inc… | $34.50 | 226.38M | +47% | +6,899% | +44% | +766% | 5.38 | 0.78 | 1.98 | -24.53 | 2.66 | 0.78 | 93.16% | 46.08% | 36.75% | 18.40% | -3.77% | 1.61% | 0.00 | 7.09 | 0.62 | 0.62 | -15.35 | 20217.00% | 6638.00% | 7200.00% | 19.15% | 0.02 | -3.88% | 0.00% | 0.00% | 87.86% | -24.99 | -30.43 | -11.51 | -0.17 |
| EFSI | Eagle Financial Services,… | $34.71 | 186.61M | -26% | +2% | +6% | +125% | 7.21 | 0.93 | 1.05 | 4.20 | 11.56 | 0.93 | 59.74% | 17.84% | 14.48% | 13.50% | 21.15% | 0.83% | 1.26 | 0.47 | 0.11 | 0.11 | -1.32 | 6241.00% | 1043.00% | 20570.00% | 16.03% | 0.01 | 24.46% | 3.88% | 28.00% | 102.19% | 4.42 | 4.71 | 0.79 | -0.70 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FXNC | First National Corporatio… | $26.55 | 239.24M | +433% | +59% | +14% | +153% | 13.62 | 1.29 | 2.15 | 2.06 | 14.18 | 1.42 | 74.03% | 19.56% | 15.78% | 10.04% | 154.58% | 0.87% | 0.23 | 0.84 | 0.48 | 0.48 | 0.99 | 9600.00% | 2711.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.06 | — | 0.40 | 0.09 |
| HWBK | Hawthorn Bancshares, Inc. | $32.99 | 227.55M | +708% | +32% | +23% | +6% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| NKSH | National Bankshares, Inc. | $37.55 | 239.04M | +3% | -24% | -81% | -23% | 21.06 | 1.03 | 2.03 | 1.86 | — | 1.12 | 55.80% | 11.53% | 9.64% | 5.13% | -2.77% | 0.44% | 0.00 | 0.27 | 0.09 | 0.09 | -10.51 | -5338.00% | 1597.00% | -5594.00% | 3.85% | 0.01 | -2.25% | 5.77% | 121.50% | 18.99% | 2.09 | 3.08 | 0.24 | -0.72 |
| OPBK | OP Bancorp | $13.36 | 198.87M | +436% | +13% | +2% | +122% | 8.33 | 0.86 | 1.14 | 4.70 | — | 0.90 | 51.46% | 18.88% | 13.68% | 10.60% | 21.70% | 0.93% | 0.50 | 0.40 | 0.07 | 0.07 | -1.06 | -1032.00% | 1340.00% | -5464.00% | 16.98% | 0.02 | 30.67% | 4.07% | 33.90% | 37.12% | 4.92 | 4.81 | 0.93 | -0.73 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
About Franklin Financial Services Corporation
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, agricultural, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans to consumers; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, as well as custodial services; sells mutual funds, annuities, and insurance products; and offers safe deposit facilities and fiduciary services. Further, the company, through its subsidiary, Franklin Future Fund Inc., operates as a non-bank investment company that makes venture capital investments. It operates twenty-two community banking offices in Franklin, Cumberland, Fulton, and Huntingdon counties, Pennsylvania. Franklin Financial Services Corporation was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.
- CEO
- Craig W. Best
- Employees
- 306
- Beta
- -0.08
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($564.49 ÷ $57.14) − 1 = +887.91% (DCF, example).