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what it is
It runs a local bank with 25 branches, taking deposits, making loans, and handling trust services in Pennsylvania.
how it gets paid
Last year Franklin Financial made $114M in revenue.
why it's growing
Revenue grew 12.7% last year. The $85M quarter matters because it was up 188% vs. prior year.
what just happened
Last quarter revenue hit $85M, and EPS jumped to $3.39.
At a glance
C++ balance sheet — some cracks in the foundation
30/100 earnings predictability — expect surprises
14.3x trailing p/e — the market's not buying it — or you found a deal
2.7% dividend yield — cash in your pocket every quarter
$2.51 fy2024 eps est
xvary composite: 54/100 — below average
What they do
It runs a local bank with 25 branches, taking deposits, making loans, and handling trust services in Pennsylvania.
With 25 branches and $2.3B of assets, you do not switch banks for fun. Franklin is the largest independent, locally owned bank in Franklin County. That keeps your deposits, loans, and trust services (money held and managed for clients) inside one local shop.
How they make money
$114M
annual revenue · their business grew +12.7% last year
total revenue
$114M
+12.7%
The products that matter
collects loan interest spread
Interest Income
$114.4M · effectively the whole story
it's a $114.4M revenue stream, which means the investment case lives or dies on core banking economics rather than a diversified fee machine.
single-engine model
Key numbers
$220M
long-term debt
That is 50% of capital, so the balance sheet carries real leverage.
2.7%
dividend yield
You get 2.7% cash back while you wait.
0.55
beta
The stock has moved about half as much as the market, so the chart should be quieter than the average bank.
$2.3B
assets
That is the lending and deposit machine you are buying.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
- long-term debt $220M (50% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for FRAF right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Last quarter revenue hit $85M, and EPS jumped to $3.39.
Revenue rose 188% from a year earlier, and EPS rose 185%. That is a much stronger print than a sleepy local-bank label suggests.
$29M
revenue
$3.39
eps
n/a
n/a
the number that mattered
The $85M quarter matters because it was up 188% vs. prior year. That is the number that keeps you from calling this a stale bank.
source: EDGAR quarterly filing, 2026
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What could go wrong
the #1 risk is revoked SEC reporting and disclosure opacity.
high
revoked Exchange Act registration
If the company is no longer required to file periodic reports, your primary window into loan quality, capital, and operating trends gets narrower. For a bank, less disclosure is not a side issue. It is the issue.
impact: reduced visibility into the business and less confidence in any forward model.
med
earnings that are hard to underwrite
The predictability score is 30/100. In plain English: future earnings are harder to model than usual, which makes even a normal-looking 14.3x multiple less reassuring.
impact: more quarter-to-quarter surprise risk and a lower deserved valuation multiple.
med
balance-sheet pressure
Long-term debt is $220M, equal to 50% of capital, and the balance sheet grade is C++. That's not a crisis number by itself. It just means you have less room for error if credit quality weakens or funding costs rise.
impact: less flexibility in a downturn and less confidence that the dividend is the whole story.
You are underwriting a bank with $220M in long-term debt, debt equal to 50% of capital, and just 30/100 earnings predictability while public reporting visibility is constrained.
source: institutional data · regulatory filings · risk analysis
Pay attention to
disclosure
any sign of restored reporting discipline
If routine filings resume, the stock immediately gets easier to underwrite. That would remove the biggest discount hanging over the name.
quality
earnings predictability moving off 30 / 100
This score is low for a bank. If it improves, the valuation case gets stronger. If it stays low, the discount probably stays too.
revenue
whether $114M revenue growth proves durable
One good growth year matters. What matters more is whether that 12.7% gain was a real operating improvement or a one-period blip.
capital
debt staying manageable relative to capital
$220M of long-term debt is 50% of capital. For a small bank, that ratio deserves regular checking, not blind trust.
Analyst rankings
earnings predictability
30 / 100
in human-speak, analysts do not view this earnings stream as especially reliable.
risk rank
2
That score says lower market risk than many stocks. It does not cancel the separate problem of weak disclosure.
price stability
70 / 100
The stock price has been steadier than the fundamentals feel. Welcome to small-cap bank math.
source: institutional data
Institutional activity
institutional ownership data for FRAF is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$50
current price
n/a
target midpoint · n/a from current
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