Franklin Financial Services Stock Today

FRAF Stock  USD 26.20  0.20  0.77%   

Performance

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Odds Of Distress

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Franklin Financial is trading at 26.20 as of the 28th of March 2024. This is a 0.77 percent up since the beginning of the trading day. The stock's lowest day price was 25.94. Franklin Financial has a very small chance of experiencing financial distress in the next few years, but has generated negative returns over the last 90 days. Equity ratings for Franklin Financial Services are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 28th of January 2024 and ending today, the 28th of March 2024. Click here to learn more.
Business Domain
Banks
IPO Date
2nd of January 2001
Category
Financial Services
Classification
Financials
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. The company has 4.39 M outstanding shares of which 7.86 K shares are currently shorted by private and institutional investors with about 1.4 trading days to cover. More on Franklin Financial Services

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Franklin Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Franklin Financial's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Franklin Financial or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEO and President and DirectorWilliam Snell
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Financial Strength
Based on the analysis of Franklin Financial's profitability, liquidity, and operating efficiency, Franklin Financial Services is doing better financially then in previous quarter. It has a moderate probability of reporting better financial numbers in April. Financial strength of Franklin Financial is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01010.0074
Significantly Up
Pretty Stable
Asset Turnover0.02990.0497
Way Down
Pretty Stable
Gross Profit Margin0.80.9
Fairly Down
Slightly volatile
Total Current LiabilitiesB975.8 M
Sufficiently Up
Slightly volatile
Non Current Liabilities Total769.8 M733.2 M
Sufficiently Up
Slightly volatile
Total Assets995 M1.8 B
Way Down
Slightly volatile
Total Current Assets22 M23.1 M
Notably Down
Slightly volatile
Total Cash From Operating Activities15.3 M26.5 M
Way Down
Slightly volatile
Franklin Financial's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Franklin Financial's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Franklin Financial's financial leverage. It provides some insight into what part of Franklin Financial's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Franklin Financial's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Franklin Financial deploys its capital and how much of that capital is borrowed.
Liquidity
Franklin Financial cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 154.48 M in liabilities with Debt to Equity (D/E) ratio of 10.27, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Franklin Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Franklin Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Franklin Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Franklin to invest in growth at high rates of return. When we think about Franklin Financial's use of debt, we should always consider it together with cash and equity.

Free Cash Flow

13.36 Million
Franklin Financial Services (FRAF) is traded on NASDAQ Exchange in USA. It is located in 1500 Nitterhouse Drive, Chambersburg, PA, United States, 17201-0819 and employs 306 people. Franklin Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 114.19 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Franklin Financial's market, we take the total number of its shares issued and multiply it by Franklin Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Franklin Financial conducts business under Banks sector and is part of Financials industry. The entity has 4.39 M outstanding shares of which 7.86 K shares are currently shorted by private and institutional investors with about 1.4 trading days to cover. Franklin Financial Services currently holds about 32.95 M in cash with 26.5 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.49.
Check Franklin Financial Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Franklin Financial is currently $114.19 Million. Franklin Financial Services shows 5.8 percent of its outstanding shares held by insiders and 25.86 percent owned by other corporate entities. Please note that no matter how profitable the entity is or how many assets it hold, if the real value is less than what market suggests, you will most likely generate negative returns and should consider selling it at some point.
Check Franklin Ownership Details

Franklin Stock Price Odds Analysis

In reference to a normal probability distribution, the odds of Franklin Financial jumping above the current price in 90 days from now is about 83.24%. The Franklin Financial Services probability density function shows the probability of Franklin Financial stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Franklin Financial Services has a beta of -0.3601. This usually indicates as returns on benchmark increase, returns on holding Franklin Financial are expected to decrease at a much lower rate. During the bear market, however, Franklin Financial Services is likely to outperform the market. Additionally, franklin Financial Services has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming NYSE Composite.
  Odds Below 26.2HorizonTargetOdds Above 26.2
16.66%90 days
 26.20 
83.24%
Based on a normal probability distribution, the odds of Franklin Financial to move above the current price in 90 days from now is about 83.24 (This Franklin Financial Services probability density function shows the probability of Franklin Stock to fall within a particular range of prices over 90 days) .

Franklin Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Franklin Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Franklin Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Franklin Financial's value.
InstituionRecorded OnShares
Morgan Stanley - Brokerage Accounts2023-12-31
20.6 K
American Century Companies Inc2023-12-31
19.9 K
Royal Bank Of Canada2023-12-31
13.9 K
Renaissance Technologies Corp2023-12-31
13.9 K
Qube Research & Technologies2023-12-31
12.6 K
State Street Corporation2023-12-31
12.2 K
Stifel Financial Corp2023-12-31
11.2 K
Millennium Management Llc2023-12-31
9.8 K
Balyasny Asset Management Llc2023-12-31
9.8 K
Fourthstone Llc2023-09-30
287 K
Vanguard Group Inc2023-12-31
146.3 K
View Franklin Financial Diagnostics

Franklin Financial Historical Income Statement

Franklin Financial Services Income Statement is one of the three primary financial statements used for reporting Franklin's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Franklin Financial revenue and expense. Franklin Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Franklin Financial's Gross Profit is most likely to increase significantly in the upcoming years. The Franklin Financial's current Other Operating Expenses is estimated to increase to about 79.1 M, while Selling General Administrative is projected to decrease to roughly 15.9 M. View More Fundamentals

Franklin Stock Against Markets

Picking the right benchmark for Franklin Financial stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Franklin Financial stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Franklin Financial is critical whether you are bullish or bearish towards Franklin Financial Services at a given time. Please also check how Franklin Financial's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Franklin Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Franklin Financial Corporate Directors

Franklin Financial corporate directors refer to members of a Franklin Financial board of directors. The board of directors generally takes responsibility for the Franklin Financial's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Franklin Financial's board members must vote for the resolution. The Franklin Financial board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Stanley KerlinIndependent DirectorProfile
Donald FryIndependent DirectorProfile
Patricia LacyDirectorProfile
Kimberly RzompDirectorProfile

How to buy Franklin Stock?

Before investing in Franklin Financial, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Franklin Financial. To buy Franklin Financial stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Franklin Financial. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Franklin Financial stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Franklin Financial Services stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Franklin Financial Services stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Franklin Financial Services, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Franklin Stock please use our How to Invest in Franklin Financial guide.

Already Invested in Franklin Financial Services?

The danger of trading Franklin Financial Services is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Franklin Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Franklin Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Franklin Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Franklin Financial is a strong investment it is important to analyze Franklin Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Franklin Financial's future performance. For an informed investment choice regarding Franklin Stock, refer to the following important reports:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Franklin Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation.
Note that the Franklin Financial information on this page should be used as a complementary analysis to other Franklin Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.

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When running Franklin Financial's price analysis, check to measure Franklin Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Franklin Financial is operating at the current time. Most of Franklin Financial's value examination focuses on studying past and present price action to predict the probability of Franklin Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Franklin Financial's price. Additionally, you may evaluate how the addition of Franklin Financial to your portfolios can decrease your overall portfolio volatility.
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Is Franklin Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Franklin Financial. If investors know Franklin will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Franklin Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.28
Earnings Share
3.1
Revenue Per Share
15.035
Quarterly Revenue Growth
(0.02)
The market value of Franklin Financial is measured differently than its book value, which is the value of Franklin that is recorded on the company's balance sheet. Investors also form their own opinion of Franklin Financial's value that differs from its market value or its book value, called intrinsic value, which is Franklin Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Franklin Financial's market value can be influenced by many factors that don't directly affect Franklin Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Franklin Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Franklin Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Franklin Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.