Franklin Financial Services Corp. (FRAF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$64.26+1.68%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FRAF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.0% |
| Our one-year growth estimate | diamond | -6.7% |
Growth built into the price is above our model estimate.
The price assumes 4.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
FRAF — dividend update
Dated 2026-07-17
Other Events On July 16, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $.34 per share regular cash dividend for the third quarter of 2026. This compares to a $.34 per share regular cash dividend for the second quarter of 2026 and $.33 per share regular cash dividend for the third quarter of 2025, which represents an increase of 3.0% over the same quarter in 2025. The regular quarterly cash dividend will be paid August 26, 2026 to shareholders of record at…
Why it matters: Higher EPS shows the company is doing well. This can attract more investors.
Supportive ifQ2 EPS exceeds $1.48, showing continued growth.
Worry ifIf Q2 EPS is below $1.48, it may mean there are problems.
Why it matters: A confirmed dividend increase shows that management values shareholders. It shows they care.
Supportive ifThe dividend is $0.34 per share. This shows management supports dividends.
Worry ifThe dividend is not paid or is cut. This suggests possible financial trouble.
Why it matters: Loan growth is important for making money. Strong growth shows good lending strategies.
Supportive ifTotal loans increase by more than 3.1% from Q2 2026.
Worry ifTotal loans growth is less than or equal to 3.1% in Q3 2026.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector's growth phase.
Worry if3-year revenue growth falls below its median level.
Less concerning if3-year revenue growth remains above its median level.
Why it matters: Continued growth in net income is key for future performance and investor trust.
Watch forNet income growth reported above 5% compared to Q1 2026.
Also watch forNet income growth reported below 5% compared to Q1 2026.
Why it matters: The FOMC's choices on interest rates can affect Franklin Financial's earnings from loans.
Watch forThe FOMC raises interest rates. This may help Franklin Financial earn more from loans.
Also watch forFOMC lowers interest rates or maintains them, which could compress net interest margins.
Why it matters: More nonperforming loans may mean higher credit risk. This can affect the quality of assets.
Worry ifNonperforming loans remain at or below 1.1% of total gross loans.
Less concerning ifNonperforming loans rise above 1.1% of total gross loans.
Why it matters: A drop in net interest margin may mean profits are under pressure. This could be from rising costs or competition.
Worry ifNet interest margin for Q3 2026 is below 3.50%.
Less concerning ifNet interest margin for Q3 2026 is 3.50% or higher.
Why it matters: Maintaining or increasing the dividend shows strong cash flow and commitment to shareholders. It can enhance investor trust.
Supportive ifThe dividend is announced at $0.34 or higher.
Worry ifThe dividend is cut or remains at $0.34.
Why it matters: The dividend shows management cares about giving value to shareholders. A rise shows confidence.
Supportive ifThe Board declares a dividend higher than $0.34 per share for Q3 2026.
Worry ifThe Board declares a dividend of $0.34 or lower for Q3 2026.
Why it matters: Sustained net income growth shows the company is on track with its growth goals. A strong performance can boost investor confidence.
Supportive ifQ3 2026 net income exceeds $7.3 million, which is over 10% growth from Q3 2025.
Worry ifQ3 2026 net income is below $6.0 million, indicating a slowdown in growth.
Why it matters: More assets under management (AUM) show growth in wealth management. This is important for non-interest income.
Supportive ifWealth management AUM exceeds $1.5 billion by the end of Q3 2026.
Worry ifWealth management AUM is below $1.4 billion. This shows no growth.
Why it matters: A lower cost of deposits can help net interest margin. This can boost profits.
Supportive ifCost of deposits drops below 1.50% in Q3 2026.
Worry ifCost of deposits stays above 1.55%, suggesting pressure on margins.
Why it matters: More nonperforming loans can mean higher credit risk. This affects overall asset quality.
Worry ifNonperforming loans exceed 1.0% of total loans in Q3 2026.
Less concerning ifNonperforming loans are below 0.75% of total loans. This shows stable asset quality.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$115 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $263 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,628 loss on $10,000 · 16.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.