Franklin Financial Services Corp Dossier
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SectorFinancials IndustryRegional Banks Beta (adjusted)0.32 Intrinsic Value Insufficient data for a value estimateNot enough reliable inputs to publish a fair value for this company yet. Market Price $62.30Price as of 1 Oct 2026 Data confidence Sign in to view data confidence Market Cap $280.3M Enterprise Value $296.1M Shares Outstanding 4.5M diluted Next Earnings Date27 Oct 2026 Last ex-dividend7 Aug 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Franklin Financial Services Corporation (NASDAQ: FRAF) demonstrates robust financial performance heading into mid-2026, characterized by significant net income growth, expanding net interest margins, and strong capital ratios. The bank's community-focused model in south-central Pennsylvania and northern Maryland is highly effective, supported by a growing wealth management division that provides diversified fee income. With a conservative credit profile and a solid return on equity, the stock presents an attractive entry point for value and income-focused investors. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$64.00 Mean target$64.00 High · most bullish analyst$64.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 20 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $54.00 An economic slowdown in south-central Pennsylvania leads to rising nonperforming loans, forcing higher provisions for credit losses. Unrealized losses in the investment portfolio expand further, putting pressure on tangible common equity and restricting capital deployment flexibility. Base CaseCentral scenario $64.00 Matches the consensus meanThe bank maintains stable net interest margins around 3.40% to 3.50% and continues steady core deposit growth. Return on average equity stabilizes in the 14%-15% range, and the bank successfully executes its open-market share repurchase plan of 150,000 shares through the end of 2026. Bull CaseUpside scenario $75.09 Accelerated loan and deposit growth combined with further net interest margin expansion beyond 3.60% drives record profitability. Wealth management assets under management scale past $1.5 billion, significantly boosting non-interest fee income. Asset quality remains pristine with nonperforming assets staying below 0.30% Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |