FRAF
Franklin Financial Services Corporation Common Stock
STATE COMMERCIAL BANKS
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Franklin Financial Services (FRAF) Stock: Buy, Sell, or Hold?
$69.88
-0.30 (-0.43%)
▼
5d:
-2.12%
30d:
+10.36%
90d:
+8.9%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (25%)
Quality Score
46/100
Position
EXTENDED
30-Day Fair Range
$62.50 – $69.66
Position: EXTENDED
Forward P/E & Valuation
10.0x
FAIR
vs 9.3x historical avg
Wall Street Target
$74.00
+5.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$68.20 / $73.69
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: FRAF shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$94.33
Based on 7.7% avg growth
INTRINSIC VALUE TODAY
$58.57
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FRAF is currently trading at $69.88, which is considered extended relative to its 30-day fair value range of $62.50 to $69.66. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.3). At these levels, the market is pricing in 2.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FRAF is in a uptrend. The price is currently testing key support at $68.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FRAF scores 34/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FRAF is in a uptrend. The price is currently testing key support at $68.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FRAF scores 34/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$62.50 -
$69.66
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
24.8%
Trading Range & Key Levels
30-Day Trading Range
$62.50 -
$69.66
Current vs Trading Range
EXTENDED
Support Level
$68.20
Resistance Level
$73.69
Current Trend
Uptrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (34/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($74.00)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
- WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.97
Wall Street Target
$74.00
(+5.9%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
58.8%
Profit Margin
29.4%
Valuation Premium vs History
+2.5% premium
PE vs Historical
10.0 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$71.63
(+3%)
2-Year Target
$73.42
(+5%)
3-Year Target
$75.25
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$70.21
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 11.4%)
$192.71
(+176%)
Base:
(SPY PE: 10.0, Growth: 11.4%)
$96.73
(+38%)
Bear:
(PE: 8.5, Growth: 11.4%)
$82.22
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.34 | Current EPS (TTM): $6.19
Bull Case
$87.42
(+25%)
Analyst growth 13.2%, PE expands to 12.5
Base Case
$79.48
(+14%)
Market implied 13.2%, PE stable at 11.3
Bear Case
$47.72
(-32%)
Severe decline -20.0%, PE contracts to 9.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (FRAF)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 4, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits messages indicate a bullish sentiment towards $FRAF with speculation about potential M&A activity.
Key Retail Themes:
M&A speculation
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 3:34 AM ET
Data refreshes hourly during market hours. Next update: 4:34 AM
Data refreshes hourly during market hours. Next update: 4:34 AM
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Technical Signals Check
Is FRAF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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