Franklin Financial ServicesFRAF +0.53%50 Net Margin % is 28.24% as of Mar. 2026, which is 31% above its 10-year median of 21.53. GuruFocus rates FRAF with a GF Score™ of 50/100 and a GF Value™ of $43.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Franklin Financial Services ranks worse than 51.83% on this metric.
The historical rank and industry rank for Franklin Financial Services's Net Margin % or its related term are showing as below:
FRAF'
s Net Margin % Range Over the Past 10 Years
Min: 4.48 Med: 21.53 Max: 32.12
Current: 26.28
FRAF's Net Margin % is ranked worse than 51.83% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRAF: 26.28
Franklin Financial Services (NAS:FRAF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Franklin Financial Services Net Margin % Related Terms
Franklin Financial Services Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Franklin Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Franklin Financial Services's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Franklin Financial Services (FRAF) has a Net Margin % of 28.24% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Franklin Financial Services and its competitors. This is 31% above median its historical median of 21.53. Over the past decade, Franklin Financial Services' Net Margin % has ranged from 4.48 to 32.12. According to the industry distribution chart, Franklin Financial Services ranks #791 out of 1526 companies in the Banks industry, placing it in the top 51.8%.
Is Franklin Financial Services' Net Margin % too high?
Franklin Financial Services' current Net Margin % of 28.24% is 31% above median its 10-year median of 21.53. Over the past 10 years, this metric has ranged from a low of 4.48 to a high of 32.12. The Banks industry median Net Margin % is 26.97. Franklin Financial Services' value of 28.24% is 4.7% above this industry median. Based on the distribution chart, Franklin Financial Services ranks #791 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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' Net Margin % compare to WNEB and FFBB?
According to the Banks industry distribution chart, Franklin Financial Services ranks #791 out of 1526 companies for Net Margin %. This places Franklin Financial Services in the lower half of its industry. The industry median Net Margin % is 26.97. Franklin Financial Services' value of 28.24% is 4.7% above this benchmark. Historically, Franklin Financial Services' own Net Margin % has ranged from 4.48 to 32.12 over the past decade. While the company's 10-year median is 21.53 vs. the industry median of 26.97, Franklin Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Franklin Financial Services's current Net Margin % of 28.24% is 4.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Franklin Financial Services and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Financial Services's current Net Margin % is 28.24%, which is 31% above median its own 10-year median of 21.53. 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 $43.02, compared to a current price of $62.44 — trading 45.1% above its estimated fair value. The current Net Margin % is 28.24%, which is 31% above median its 10-year median of 21.53 and 4.7% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Net Margin % is 28.24% as of Mar. 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 $62.44 is trading 45.1% above its estimated GF Value™ of $43.02.
GuruFocus considers Franklin Financial Services to be Significantly Overvalued.
Key valuation signals for FRAF:
Net Margin %: 28.24% (31% above median its 10-year median of 21.53)
GF Value™: $43.02 vs. price of $62.44 (45.1% above fair value)
Industry Position: 4.7% above the Banks median (#791 of 1526)
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.
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