Franklin Financial Services Corp. (Pennsylvania)

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US3535251082
USD
53.98
1.55 (2.96%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

32.19 k

Shareholding (Mar 2025)

FII

1.25%

Held by 16 FIIs

DII

89.69%

Held by 9 DIIs

Promoter

0.62%

How big is Franklin Financial Services Corp. (Pennsylvania)?

22-Jun-2025

As of Jun 18, Franklin Financial Services Corp. (Pennsylvania) has a market capitalization of $162.50 million, with total assets of $2,202.76 million and shareholder's funds of $144.72 million.

As of Jun 18, Franklin Financial Services Corp. (Pennsylvania) has a market capitalization of 162.50 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 104.70 million. The net profit for the same period was 11.66 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 144.72 million and total assets of 2,202.76 million.

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What does Franklin Financial Services Corp. (Pennsylvania) do?

22-Jun-2025

Franklin Financial Services Corporation is a bank holding company in the Regional Banks industry with a market cap of $162.50 million, reporting net sales of $27 million and a net profit of $4 million as of March 2025. Key metrics include a P/E ratio of 15.00 and a dividend yield of 2.62%.

Overview:<BR>Franklin Financial Services Corporation is a bank holding company operating in the Regional Banks industry, with a market cap of USD 162.50 Million.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 27 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 4 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 162.50 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 15.00 <BR>Dividend Yield: 2.62% <BR>Debt Equity: 0.00 <BR>Return on Equity: 7.70% <BR>Price to Book: 1.07<BR><BR>Contact Details:<BR>Address: 20 S Main St, P O Box 6010 CHAMBERSBURG PA : 17201-0819 <BR>Tel: ['1 717 2646116', '1 717 2613551'] <BR>Website: http://www.franklinfin.com/

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Should I buy, sell or hold Franklin Financial Services Corp. (Pennsylvania)?

22-Jun-2025

Who are in the management team of Franklin Financial Services Corp. (Pennsylvania)?

22-Jun-2025

As of March 2022, the management team of Franklin Financial Services Corp. includes Independent Chairman Mr. G. Warren Elliott, President and CEO Mr. Timothy Henry, and Independent Directors Mr. Kevin Craig, Mr. Gregory Duffey, Mr. Daniel Fisher, Mr. Donald Fry, and Mr. Allan Jennings. They are responsible for the company's strategic direction and governance.

As of March 2022, the management team of Franklin Financial Services Corp. (Pennsylvania) includes the following individuals:<BR><BR>- Mr. G. Warren Elliott, who serves as the Independent Chairman of the Board.<BR>- Mr. Timothy Henry, who is the President and Chief Executive Officer of the company and F&M Trust.<BR>- Mr. Kevin Craig, Mr. Gregory Duffey, Mr. Daniel Fisher, Mr. Donald Fry, and Mr. Allan Jennings, all of whom are Independent Directors.<BR><BR>This team plays a crucial role in guiding the company's strategic direction and governance.

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Is Franklin Financial Services Corp. (Pennsylvania) technically bullish or bearish?

25-Jun-2025

As of June 3, 2025, the trend is mildly bullish due to daily moving averages, but caution is advised as weekly indicators show bearish signals.

As of 3 June 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by the daily moving averages indicating mild bullishness, while the monthly MACD and KST are bullish. However, the weekly MACD and KST are mildly bearish, and the Bollinger Bands on the weekly timeframe are bearish, suggesting some caution. Overall, the mixed signals indicate a moderately positive outlook, but with underlying bearish pressures in the shorter time frames.

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Is Franklin Financial Services Corp. (Pennsylvania) overvalued or undervalued?

02-Dec-2025

As of November 28, 2025, Franklin Financial Services Corp. is considered overvalued with a P/E ratio of 15, higher than its peers, despite a strong year-to-date return of 76.56%.

As of 28 November 2025, the valuation grade for Franklin Financial Services Corp. (Pennsylvania) has moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on its current metrics, with a P/E ratio of 15, a Price to Book Value of 1.14, and an EV to EBITDA of 11.06. In comparison to its peers, ChoiceOne Financial Services, Inc. has a P/E of 14.27 and First Community Corp. (South Carolina) has a P/E of 12.18, suggesting that Franklin Financial is priced higher relative to similar companies in the regional banking sector.<BR><BR>Despite showing strong recent performance, with a year-to-date return of 76.56% compared to the S&P 500's 16.45%, the valuation metrics indicate that the stock may not be a compelling investment at its current price level.

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iScoreScore
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Strong Sell
Sell
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Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 5.34%

 
2

Strong Long Term Fundamental Strength with a 1.23% CAGR growth in Net Profits

3

With ROA of 0.35%, it has a expensive valuation with a 1.14 Price to Book Value

4

High Institutional Holdings at 31.57%

5

Market Beating Performance

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 227 Million (Micro Cap)

stock-summary
P/E

15.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

1.31%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

9.24%

stock-summary
Price to Book

1.44

Revenue and Profits:
Net Sales:
29 Million
(Quarterly Results - Jun 2025)
Net Profit:
6 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
16.21%
0%
16.21%
6 Months
42.84%
0%
42.84%
1 Year
60.99%
0%
60.99%
2 Years
62.1%
0%
62.1%
3 Years
74.07%
0%
74.07%
4 Years
62.1%
0%
62.1%
5 Years
102.17%
0%
102.17%

Franklin Financial Services Corp. (Pennsylvania) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
17.89%
EBIT Growth (5y)
0.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.90%
Pledged Shares
0
Institutional Holding
31.57%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.14
EV to EBIT
12.97
EV to EBITDA
11.06
EV to Capital Employed
1.15
EV to Sales
1.49
PEG Ratio
NA
Dividend Yield
2.48%
ROCE (Latest)
8.88%
ROE (Latest)
7.70%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 5 Schemes (8.44%)

Foreign Institutions

Held by 16 Foreign Institutions (1.25%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Franklin Financial Services Corp. (Pennsylvania) stock-summary
stock-summary
Franklin Financial Services Corp. (Pennsylvania)
Regional Banks
Franklin Financial Services Corporation is a bank holding company. The Company conducts its business through its banking subsidiary, Farmers and Merchants Trust Company of Chambersburg (the Bank). The Bank is a Pennsylvania-chartered commercial bank and trust company. It operates over 22 community banking offices in Franklin, Cumberland, Fulton and Huntingdon counties in Pennsylvania. The Bank is engaged in general commercial, retail banking and trust services associated with community banks. The Bank offers a range of services, including accepting and maintaining checking, savings, and time deposit accounts, making loans and providing safe deposit facilities to businesses, individuals and governmental entities. The Company's subsidiary, Franklin Future Fund Inc., is a non-bank investment company that makes venture capital investments within the Company's primary market area.
Company Coordinates stock-summary
Company Details
20 S Main St, P O Box 6010 CHAMBERSBURG PA : 17201-0819
stock-summary
Tel: 1 717 26461161 717 2613551
stock-summary
Registrar Details