Franklin Financial Services Corp. (FRAF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$69.55-2.58%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -3.1% |
| Our one-year growth estimate | diamond |
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.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
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.
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.
| -7.5% |
Growth built into the price is above our model estimate.
The price assumes 4.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FRAF — dividend update
Dated 2026-10-16
Other Events On October 15, 2026, the Board of Directors of Franklin Financial Services Corporation declared a $.34 per share regular cash dividend for the fourth quarter of 2026. This compares to a $.34 per share regular cash dividend for the third quarter of 2026 and $.33 per share regular cash dividend for the fourth quarter of 2025, which represents an increase of 3.0% over the same quarter in 2025. The regular quarterly cash dividend will be paid November 25, 2026 to shareholders of reco…
Why it matters: Nonperforming loans rose to 1.1% of gross loans from 0.55% at year-end. The next report can show if the two troubled CRE loans worsen or improve.
Worry ifNonperforming loans rise above $17.8 million or exceed 1.1% of gross loans in the next report.
Less concerning ifNonperforming loans fall below $17.8 million and below 1.1% of gross loans.
Why it matters: The loan is past maturity and has a $1.2 million reserve. The bank also set performance terms for the borrower.
Worry ifA filing reports missed forbearance terms, more bank funding, or a higher reserve on the loan.
Less concerning ifA filing says the borrower met the terms or repaid the loan. It may also say the borrower lowered the bank’s exposure without a higher reserve.
Why it matters: The board set a $0.34 payment for November 25. Payment would keep the regular dividend in place at its higher level.
Supportive ifF&M Trust pays $0.34 per share on November 25, 2026, as announced.
Worry ifA filing reports that the November 25 payment is cut, delayed, or canceled.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$74 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $253 loss on $10,000 · 2.5% | 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.