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Franklin Financial Services Corporation (FRAF) Fair Value & Analysis

Financial Services · US · Market cap $276M

Price$62.44
Fair Value$61.41
Upside-1.6%
Quality95/100
Evidence: High Range $46.06 – $76.77

Fair value as of: Jun 26, 2026

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Analysis

Franklin Financial Services Corporation (FRAF) currently trades at $62.44, while our model-based Fair Value estimate is $61.41 — implying the stock looks roughly 1.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Franklin 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 governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit fu…

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Frequently asked questions

Is Franklin Financial Services Corporation (FRAF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $61.41 versus a price of $62.44 — about −2% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FRAF?
Our 21-model fair value for Franklin Financial Services Corporation is $61.41 (as of Jun 26, 2026), built from audited fundamentals. The current price is $62.44.
What is the quality score of FRAF?
Franklin Financial Services Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.