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Franklin Financial Services Corporation (FRAF)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US3535251082
CUSIP
353525108
IPO Date
Jan 2, 2001

Highlights

Market Cap
$229.76M
Enterprise Value
$229.76M
EPS (TTM)
$4.74
PE Ratio
10.77
PEG Ratio
1.14
Total Revenue (TTM)
$132.52M
Gross Profit (TTM)
$84.89M
EBITDA (TTM)
$27.88M
Year Range
$32.39 - $59.95
ROE (TTM)
12.76%

Share Price Chart


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Often compared with FRAF:
FRAF vs. MTB

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Franklin Financial Services Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Franklin Financial Services Corporation (FRAF) has returned 2.47% so far this year and 48.62% over the past 12 months. Looking at the last ten years, FRAF has achieved an annualized return of 12.80%, outperforming the S&P 500 Index benchmark, which averaged 12.16% per year.


Franklin Financial Services Corporation

1D
-0.94%
1M
-0.78%
YTD
2.47%
6M
12.63%
1Y
48.62%
3Y*
24.48%
5Y*
14.20%
10Y*
12.80%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jan 2, 2001, FRAF's average daily return is +0.05%, while the average monthly return is +0.94%. At this rate, your investment would double in approximately 6.2 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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20261.61%1.63%-0.78%2.47%
202515.69%9.92%-5.94%8.89%0.34%-9.83%16.10%17.13%-1.50%-1.52%18.97%-6.19%73.48%
20243.44%-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%
20220.62%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 11.68%, beta of 0.21, and R² of 0.02 versus S&P 500 Index. Calculated based on daily prices since January 03, 2001.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (47.03%) than losses (23.99%) — 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
11.68%
Beta
0.21
0.02
Upside Capture
47.03%
Downside Capture
23.99%

Return for Risk

Risk / Return Rank

FRAF ranks 84 for risk / return — in the top 84% 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.


FRAF Risk / Return Rank: 8484
Overall Rank
FRAF Sharpe Ratio Rank: 8686
Sharpe Ratio Rank
FRAF Sortino Ratio Rank: 8585
Sortino Ratio Rank
FRAF Omega Ratio Rank: 8383
Omega Ratio Rank
FRAF Calmar Ratio Rank: 8585
Calmar Ratio Rank
FRAF Martin Ratio Rank: 8282
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Franklin Financial Services Corporation (FRAF) and compare them to a chosen benchmark (S&P 500 Index).


FRAFBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.68

0.90

+0.78

Sortino ratio

Return per unit of downside risk

2.44

1.39

+1.05

Omega ratio

Gain probability vs. loss probability

1.32

1.21

+0.11

Calmar ratio

Return relative to maximum drawdown

3.00

1.40

+1.60

Martin ratio

Return relative to average drawdown

6.90

6.61

+0.29

Explore FRAF risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

Franklin Financial Services Corporation provided a 2.58% dividend yield over the last twelve months, with an annual payout of $1.32 per share. The company has been increasing its dividends for 12 consecutive years.


2.50%3.00%3.50%4.00%4.50%$0.00$0.20$0.40$0.60$0.80$1.00$1.20$1.4020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.32$1.31$1.28$1.28$1.28$1.25$1.20$1.17$1.05$0.93$0.82$0.74

Dividend yield

2.58%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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.33$0.00$0.33
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 2.58%, which is quite average when compared to the overall market.

Payout Ratio

Franklin Financial Services Corporation has a payout ratio of 20.57%, 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.

The current Franklin Financial Services Corporation drawdown is 8.99%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-51.21%May 26, 20041195Mar 4, 20091400Sep 25, 20142595
-44.32%Dec 26, 2019189Sep 24, 2020570Dec 29, 2022759
-31.03%Jan 3, 202385May 4, 2023130Nov 8, 2023215
-25.52%Nov 9, 202365Feb 13, 2024185Nov 6, 2024250
-20.55%Nov 16, 2017275Dec 20, 201829Feb 4, 2019304

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.


Annual
Quarterly

0.0

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 10.8. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

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 1.1. 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 1.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for FRAF in comparison with other companies in the Banks - Regional industry. Currently, FRAF has a P/B value of 1.4. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

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

Values in undefined except per share items