Franklin Financial Services (FRAF)

Financial Services · Banks - Regional
$62.60 -1.14% on the day Market cap $274M 52-week range $43.47 to $65.41 Prices as of Oct 11, 2026

What the price implies

A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.

Franklin Financial Services's free cash flow isn't comparable to its market value here, so a cash-flow reverse DCF doesn't give a meaningful answer. The Modeling tab works from revenue and margins instead.

Fundamental grade

C

Five factors scored 1 to 9 from FRAF's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.

Valuation8
Profitability6
Growth6
Financial health1

Results from SEC filings

Fiscal years, from Franklin Financial Services's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.

Fiscal year20212022202320242025
Revenue$64M$67M$68M$71M$89M
Net income$20M$15M$14M$11M$21M
Free cash flow—————
EPS (diluted)$4.42$3.36$3.10$2.51$4.74
Operating margin—————

Superinvestors who own FRAF

From each investor's latest 13F filing (what a 13F shows). 1 of the investors we track hold it.

InvestorLast quarterValue% of portfolioQuarter
Cliff Asness
AQR Capital Management
Added $884,9180.0%Q2 2026

Insider buying

Open-market purchases by Franklin Financial Services's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you. Every purchase since records began.

DateInsiderSharesPriceValue
Nov 26, 2025 Gregory A Duffey
19$53.91$1,024

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In the full deep dive

DCF fair value per share
Yearly return (IRR) at today's price
Growth implied by revenue and margins
15+ years of statements and quarters

Questions

Are Franklin Financial Services insiders buying the stock?

1 open-market insider purchase of FRAF in the last 12 months, from SEC Form 4 filings.

Which superinvestors own Franklin Financial Services?

1 of the superinvestors Investingly tracks hold FRAF in their latest 13F, including Cliff Asness.

Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.