FRAF
Franklin Financial Services CorporationFinancial Services · $281M market cap
Verdict
Share price
$63.16
close of Oct 3, 2026
Fair value
$72.24
Sticker Price
Payback Price
$28.90
buy price
FRAF is Undervalued: at $63.16 it trades 13% below its fair value of $72.24. Its buy price (Payback Price) is $28.90, 54% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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Since Jun 29, 2026: 2 open-market purchases worth $2K and 14 other filings (stock awards, tax withholding and similar). Why purchases matter
Purchases
Other filings
Weaver Matthew D
SVP, Chief Marketing Officer · 2026-07-31
Tax withholding
$68K
Weaver Matthew D
SVP, Chief Marketing Officer · 2026-07-31
Option exercise
$68K
Carmack Karen K
SVP, Chief HR Officer · 2026-07-29
Tax withholding
$68K
Carmack Karen K
SVP, Chief HR Officer · 2026-07-29
Tax withholding
$77K
Carmack Karen K
SVP, Chief HR Officer · 2026-07-29
Option exercise
$68K
Show all 14 other filingsShow fewer
Carmack Karen K
SVP, Chief HR Officer · 2026-07-29
Option exercise
$77K
Heckman Lorie M.
EVP, Chief Risk Officer · 2026-07-29
Tax withholding
$85K
Heckman Lorie M.
EVP, Chief Risk Officer · 2026-07-29
Option exercise
$85K
Craig Kevin W
director · 2026-06-29
Award
$11K
Duffey Gregory A
director · 2026-06-29
Award
$3K
ELLIOTT G WARREN
director · 2026-06-29
Award
$2K
Fisher Daniel J
director · 2026-06-29
Award
$5K
Kerlin Stanley J
director · 2026-06-29
Award
$8K
Snook Gregory I
director · 2026-06-29
Award
$6K
About Franklin Financial Services Corporation
Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works