FRAF (Franklin Financial Services) Moat Score: 4/10 (As of Jun. 29, 2026)


FRAF Franklin Financial Services Corp FRAF
50 GF Score
Price $62.43
GF Value $43.03
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Moat Score?

Franklin Financial Services FRAF -0.59% 50 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,614 Banks companies, Franklin Financial Services ranks better than 86.25% on this metric.

Franklin Financial Services has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Franklin Financial Services has Narrow Moat: Franklin Financial Services Corp has a modest moat due to its established regional presence and customer relationships. However, it operates in a competitive banking sector with limited pricing power and no significant regulatory advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Franklin Financial Services might have Narrow Moat - Discernible but modest moat.

Franklin Financial Services  (NAS:FRAF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Franklin Financial Services Moat Score Related Terms

FRAF vs OVLY, CFFI, LRBI: Moat Score Comparison

For the Banks - Regional subindustry, Franklin Financial Services's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Franklin Financial Services's Moat Score distribution charts can be found below:

* The bar in red indicates where Franklin Financial Services's Moat Score falls into.


FRAF
50GF Score
Franklin Financial Services Corp FRAF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Franklin Financial Services (FRAF) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Franklin Financial Services ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Franklin Financial Services' Moat Score too high?
Franklin Financial Services' current Moat Score is 4. Based on the distribution chart, Franklin Financial Services ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to OVLY and CFFI?
According to the Banks industry distribution chart, Franklin Financial Services ranks #222 out of 1614 companies for Moat Score. This places Franklin Financial Services in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Franklin Financial Services's current Moat Score is 4. 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 $43.03, compared to a current price of $62.43 — trading 45.1% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Moat Score is 4 as of Jun. 29, 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 $62.43 is trading 45.1% above its estimated GF Value™ of $43.03. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Moat Score: 4
  • GF Value™: $43.03 vs. price of $62.43 (45.1% above fair value)
  • GF Score™: 50/100 with 6 warning signs

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 Business Description

Address 1500 Nitterhouse Drive, Chambersburg, PA, USA, 17201-0819
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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$62.43
Price
$43.03
GF Value