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Franklin Financial Services has the GF Score of 50, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Franklin Financial Services
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Franklin Financial Services (NAS:FRAF) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Franklin Financial Services GF Score Related Terms
FRAF vs OVLY, CFFI, LRBI: GF Score Comparison
For the Banks - Regional subindustry, Franklin Financial Services's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Franklin Financial Services GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's GF Score distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's GF Score falls into.
Franklin Financial Services (FRAF) has a GF Score of 50 as of Jul. 26, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Franklin Financial Services and its competitors. This is 29% below median its historical median of 70.00. Over the past decade, Franklin Financial Services' GF Score has ranged from 48.00 to 84.00.
Is Franklin Financial Services' GF Score too high?
Franklin Financial Services' current GF Score of 50 is 29% below median its 10-year median of 70.00. Over the past 10 years, this metric has ranged from a low of 48.00 to a high of 84.00. Overall, Franklin Financial Services has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' GF Score compare to OVLY and CFFI?
Franklin Financial Services' GF Score of 50 can be compared against companies in the Banks industry. Historically, Franklin Financial Services' own GF Score has ranged from 48.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Franklin Financial Services and its competitors. Franklin Financial Services's current GF Score is 50, which is 29% below median its own 10-year median of 70.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Franklin Financial Services (FRAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $43.42, compared to a current price of $62.01 — trading 42.8% above its estimated fair value. The current GF Score is 50, which is 29% below median its 10-year median of 70.00. Franklin Financial Services' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current GF Score is 50 as of Jul. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Franklin Financial Services (FRAF) Overvalued in 2026?
Based on GuruFocus' analysis, Franklin Financial Services stock appears to be overvalued.
The current stock price of $62.01 is trading 42.8% above its estimated GF Value™ of $43.42.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
GF Score: 50 (29% below median its 10-year median of 70.00)
GF Value™: $43.42 vs. price of $62.01 (42.8% above fair value)
No single metric tells the full story. See the FRAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Franklin Financial Services Corp is a bank holding company based in the United States. It is engaged in general commercial, retail banking, and trust services normally associated with community banks. It offers a broad range of banking services to businesses, individuals, and governmental entities, which include accepting and maintaining cheques, savings, and time deposit accounts, providing investment and trust services, making loans and providing safe deposit facilities. The bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department.
50GF Score
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