- ISIN
- US3535251082
- CUSIP
- 353525108
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jan 2, 2001
Highlights
- EPS (TTM)
- $7.13
- PE Ratio
- 8.70
- PEG Ratio
- 0.92
- Total Revenue (TTM)
- $129.01M
- Gross Profit (TTM)
- $65.84M
- EBITDA (TTM)
- $23.07M
- Year Range
- $33.87 - $62.84
- ROA (TTM)
- 1.04%
- ROE (TTM)
- 13.39%
Share Price Chart
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Performance
FRAF Performance Chart
Franklin Financial Services Corporation (FRAF) is up 25.2% since the beginning of the year. At $62 per share, FRAF is trading just below its 52-week high of $63. Investors who bought $1,000 worth of FRAF shares 5 years ago would now be looking at an investment worth $2,486.
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Returns By Period
Franklin Financial Services Corporation (FRAF) has returned 25.21% so far this year and 84.48% over the past 12 months. Over the last decade, FRAF has posted an annualized return of 14.12%, slightly higher than the S&P 500 Index benchmark’s 13.88%.
Franklin Financial Services Corporation
- 1D
- 0.96%
- 1M
- 6.43%
- YTD
- 25.21%
- 6M
- 17.20%
- 1Y
- 84.48%
- 3Y*
- 35.15%
- 5Y*
- 19.98%
- 10Y*
- 14.12%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
FRAF Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2001, FRAF's average daily return is +0.05%, while the average monthly return is +0.99%. At this rate, an investment would double in approximately 5.9 years.
Historically, 57% of months were positive and 43% were negative. The best month was Nov 2020 with a return of +31.0%, while the worst month was Feb 2009 at -23.9%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 7 months.
On a daily basis, FRAF closed higher 35% of trading days. The best single day was Mar 25, 2020 with a return of +18.3%, while the worst single day was Jun 29, 2004 at -21.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.61% | 1.63% | -0.78% | 10.32% | 3.79% | 6.73% | 25.21% | ||||||
| 2025 | 15.69% | 9.92% | -5.94% | 8.89% | 0.34% | -9.83% | 16.10% | 17.13% | -1.50% | -1.52% | 18.97% | -6.19% | 73.48% |
| 2024 | 3.44% | -18.60% | -0.42% | 15.53% | -12.19% | 7.53% | 18.42% | -4.28% | -5.10% | 8.46% | 4.20% | -11.33% | -1.39% |
| 2023 | -7.89% | -0.64% | -9.41% | -2.09% | -9.47% | 6.90% | 6.60% | -0.94% | -1.66% | 12.28% | 5.30% | -5.43% | -8.79% |
| 2022 | 0.62% | 1.02% | 1.23% | -3.88% | -5.06% | -1.02% | 9.13% | -1.85% | -1.31% | 3.01% | -4.32% | 17.21% | 13.49% |
| 2021 | -0.07% | 2.78% | 13.55% | -3.30% | 2.45% | 4.48% | 5.70% | -5.16% | 0.19% | 2.30% | 1.61% | 1.21% | 27.52% |
Benchmark Metrics
Franklin Financial Services Corporation has an annualized alpha of 12.25%, beta of 0.21, and R2 of 0.02 versus S&P 500 Index. Calculated based on daily prices since January 02, 2001.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (47.67%) than losses (22.18%) - typical of diversified or defensive assets.
- Beta of 0.21 may look defensive, but with R2 of 0.02 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.02 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 12.25%
- Beta
- 0.21
- R²
- 0.02
- Upside Capture
- 47.67%
- Downside Capture
- 22.18%
Return for Risk
Risk / Return Rank
FRAF ranks 92 for risk / return — in the top 92% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Franklin Financial Services Corporation (FRAF) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FRAF | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.73 | ||
| Sortino ratioReturn per unit of downside risk | +0.63 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.37 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 5.22 | 2.78 | +2.43 |
| Martin ratioReturn relative to average drawdown | 13.09 | 12.44 | +0.65 |
Dividends
Dividend History
Franklin Financial Services Corporation provided a 2.14% dividend yield over the last twelve months, with an annual payout of $1.33 per share. The company has been increasing its dividends for 12 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.33 | $1.31 | $1.28 | $1.28 | $1.28 | $1.25 | $1.20 | $1.17 | $1.05 | $0.93 | $0.82 | $0.74 |
Dividend yield | 2.14% | 2.61% | 4.28% | 4.06% | 3.55% | 3.78% | 4.44% | 3.02% | 3.33% | 2.49% | 2.87% | 3.15% |
Monthly Dividends
The table displays the monthly dividend distributions for Franklin Financial Services Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.33 | $0.00 | $0.00 | $0.34 | $0.00 | $0.67 | ||||||
| 2025 | $0.00 | $0.32 | $0.00 | $0.00 | $0.33 | $0.00 | $0.00 | $0.33 | $0.00 | $0.00 | $0.33 | $0.00 | $1.31 |
| 2024 | $0.32 | $0.00 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $1.28 |
| 2023 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $1.28 |
| 2022 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $1.28 |
| 2021 | $0.00 | $0.30 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $1.25 |
Dividend Yield & Payout
Dividend Yield
Franklin Financial Services Corporation has a dividend yield of 2.14%, which is quite average when compared to the overall market.
Payout Ratio
Franklin Financial Services Corporation has a payout ratio of 24.41%, which is below the market average. This means Franklin Financial Services Corporation returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Franklin Financial Services Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Franklin Financial Services Corporation was 51.21%, occurring on Mar 4, 2009. Recovery took 1400 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -51.21%Mar 2009 | 4y 8mo | 5y 6mo | 10y 3moJun 2004 - Sep 2014 |
2020 bear market2020 | -44.32%Sep 2020 | 9mo 3d | 2y 3mo | 3y 4dDec 2019 - Dec 2022 |
2023 bear market2023 | -31.03%May 2023 | 4mo 1d | 6mo 8d | 10mo 9dJan 2023 - Nov 2023 |
2024 bear market2024 | -25.52%Feb 2024 | 3mo 6d | 8mo 27d | 12mo 3dNov 2023 - Nov 2024 |
Rate-hike selloffLate 2018 | -20.55%Dec 2018 | 11mo 27d | 1mo 16d | 1y 1moDec 2017 - Feb 2019 |
Drawdown Indicators
| FRAF | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.21% | -56.78% | +5.57% |
Max Drawdown (1Y)Largest decline over 1 year | -16.28% | -9.10% | -7.18% |
Max Drawdown (3Y)Largest decline over 3 years | -25.52% | -18.90% | -6.62% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -25.43% | -5.60% |
Max Drawdown (10Y)Largest decline over 10 years | -44.32% | -33.92% | -10.40% |
Current DrawdownCurrent decline from peak | 0.00% | -1.80% | +1.80% |
Average DrawdownAverage peak-to-trough decline | -16.00% | -10.71% | -5.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.48% | 2.03% | +4.45% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Franklin Financial Services Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Franklin Financial Services Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for FRAF, comparing it with other companies in the Banks - Regional industry. Currently, FRAF has a P/E ratio of 8.7. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for FRAF compared to other companies in the Banks - Regional industry. FRAF currently has a PEG ratio of 0.9. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for FRAF relative to other companies in the Banks - Regional industry. Currently, FRAF has a P/S ratio of 1.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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