Franklin Financial Services Corporation
FRAFFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
Scan Results
Daily timeframeFranklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and. With a market capitalization of $286.3M, it sits in micro-cap territory. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits.
Market Cap
$286.3M
Beta
-0.02
P/E (TTM)
11.61
P/E (Fwd)
9.66
EPS (TTM)
$5.48
EPS (Fwd)
$6.59
ROE
14.4%
ROA
1.1%
Cash
$26.9M
Total Debt
$215.1M
Free CF
—
52W Change
36.8%
Annual Financials
Cash vs Debt
Where FRAF stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, FRAF finished 4.74% above its 150-day moving average ($59.52) and 9.23% above its 200-day moving average ($57.07). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is FRAF overbought or oversold?
At the October 20, 2026 close, FRAF's RSI(14) was 48.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, FRAF has $26.9M in cash with $215.1M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 14.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $65.4M (2022) to $87.4M (2025), reflecting a 34% increase over the period.
The relatively low beta of -0.02 suggests FRAF is a less volatile holding compared to the broader index. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing FRAF's risk profile alongside its fundamentals and technical indicators provides a more complete picture.