FRAF vs. MTB
Compare and contrast key facts about Franklin Financial Services Corporation (FRAF) and M&T Bank Corporation (MTB).
Performance
FRAF vs. MTB - Performance Comparison
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FRAF vs. MTB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FRAF Franklin Financial Services Corporation | 2.47% | 73.48% | -1.39% | -8.79% | 13.49% | 27.52% | -27.09% | 26.80% | -13.12% | 34.41% |
MTB M&T Bank Corporation | 3.31% | 10.89% | 41.66% | -1.68% | -2.94% | 24.28% | -22.16% | 21.65% | -14.58% | 11.35% |
Fundamentals
FRAF:
$229.76M
MTB:
$32.36B
FRAF:
$4.74
MTB:
$18.08
FRAF:
10.77
MTB:
11.43
FRAF:
1.14
MTB:
1.54
FRAF:
1.72
MTB:
2.65
FRAF:
1.38
MTB:
1.23
FRAF:
$132.52M
MTB:
$12.31B
FRAF:
$84.89M
MTB:
$9.19B
FRAF:
$27.88M
MTB:
$3.96B
Returns By Period
In the year-to-date period, FRAF achieves a 2.47% return, which is significantly lower than MTB's 3.31% return. Over the past 10 years, FRAF has outperformed MTB with an annualized return of 12.80%, while MTB has yielded a comparatively lower 9.39% annualized return.
FRAF
- 1D
- -0.94%
- 1M
- -0.78%
- YTD
- 2.47%
- 6M
- 12.63%
- 1Y
- 48.62%
- 3Y*
- 24.48%
- 5Y*
- 14.20%
- 10Y*
- 12.80%
MTB
- 1D
- 2.78%
- 1M
- -4.07%
- YTD
- 3.31%
- 6M
- 6.17%
- 1Y
- 19.14%
- 3Y*
- 24.27%
- 5Y*
- 9.70%
- 10Y*
- 9.39%
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Return for Risk
FRAF vs. MTB — Risk / Return Rank
FRAF
MTB
FRAF vs. MTB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Franklin Financial Services Corporation (FRAF) and M&T Bank Corporation (MTB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| FRAF | MTB | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.68 | 0.73 | +0.95 |
Sortino ratioReturn per unit of downside risk | 2.44 | 1.12 | +1.32 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.15 | +0.16 |
Calmar ratioReturn relative to maximum drawdown | 3.00 | 1.27 | +1.73 |
Martin ratioReturn relative to average drawdown | 6.90 | 3.24 | +3.66 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FRAF | MTB | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.68 | 0.73 | +0.95 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.61 | 0.32 | +0.29 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.44 | 0.29 | +0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.32 | 0.40 | -0.08 |
Correlation
The correlation between FRAF and MTB is 0.12, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
FRAF vs. MTB - Dividend Comparison
FRAF's dividend yield for the trailing twelve months is around 2.58%, less than MTB's 2.83% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FRAF Franklin Financial Services Corporation | 2.58% | 2.61% | 4.28% | 4.06% | 3.55% | 3.78% | 4.44% | 3.02% | 3.33% | 2.49% | 2.87% | 3.15% |
MTB M&T Bank Corporation | 2.83% | 3.24% | 2.85% | 3.79% | 3.31% | 2.93% | 3.46% | 2.42% | 2.48% | 1.75% | 1.79% | 2.31% |
Drawdowns
FRAF vs. MTB - Drawdown Comparison
The maximum FRAF drawdown since its inception was -51.21%, smaller than the maximum MTB drawdown of -73.50%. Use the drawdown chart below to compare losses from any high point for FRAF and MTB.
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Drawdown Indicators
| FRAF | MTB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.21% | -73.50% | +22.29% |
Max Drawdown (1Y)Largest decline over 1 year | -16.28% | -16.98% | +0.70% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -40.71% | +9.68% |
Max Drawdown (10Y)Largest decline over 10 years | -44.32% | -52.97% | +8.65% |
Current DrawdownCurrent decline from peak | -8.99% | -12.54% | +3.55% |
Average DrawdownAverage peak-to-trough decline | -16.12% | -12.43% | -3.69% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.08% | 6.64% | +0.44% |
Volatility
FRAF vs. MTB - Volatility Comparison
Franklin Financial Services Corporation (FRAF) has a higher volatility of 7.86% compared to M&T Bank Corporation (MTB) at 6.73%. This indicates that FRAF's price experiences larger fluctuations and is considered to be riskier than MTB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FRAF | MTB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.86% | 6.73% | +1.13% |
Volatility (6M)Calculated over the trailing 6-month period | 22.69% | 16.46% | +6.23% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.10% | 26.27% | +2.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 23.33% | 30.46% | -7.13% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.08% | 32.85% | -3.77% |
Financials
FRAF vs. MTB - Financials Comparison
This section allows you to compare key financial metrics between Franklin Financial Services Corporation and M&T Bank Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FRAF vs. MTB - Profitability Comparison
FRAF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Franklin Financial Services Corporation reported a gross profit of 23.02M and revenue of 33.74M. Therefore, the gross margin over that period was 68.2%.
MTB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, M&T Bank Corporation reported a gross profit of 2.35B and revenue of 3.33B. Therefore, the gross margin over that period was 70.5%.
FRAF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Franklin Financial Services Corporation reported an operating income of 7.48M and revenue of 33.74M, resulting in an operating margin of 22.2%.
MTB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, M&T Bank Corporation reported an operating income of 971.00M and revenue of 3.33B, resulting in an operating margin of 29.1%.
FRAF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Franklin Financial Services Corporation reported a net income of 6.04M and revenue of 33.74M, resulting in a net margin of 17.9%.
MTB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, M&T Bank Corporation reported a net income of 759.00M and revenue of 3.33B, resulting in a net margin of 22.8%.