FRAF (Franklin Financial Services) Growth Rank: 4 (As of Aug. 11, 2026) — 33% Above Median

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FRAF Franklin Financial Services Corp FRAF
56 GF Score
Price $63.00
GF Value $43.40
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Growth Rank?

Franklin Financial Services FRAF +2.15% 56 Growth Rank is 4 as of Aug. 11, 2026, which is 33% above its 10-year median of 3.00. GuruFocus rates FRAF with a GF Score™ of 56/100 and a GF Value™ of $43.40 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Franklin Financial Services has the Growth Rank of 4.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Franklin Financial Services Growth Rank Related Terms

FRAF vs BPRN, EXSR, CBNA: Growth Rank Comparison

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

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

* The bar in red indicates where Franklin Financial Services's Growth Rank falls into.


FRAF
56GF Score
Franklin Financial Services Corp FRAF
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 4 mean?
Franklin Financial Services (FRAF) has a Growth Rank of 4 as of Aug. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Franklin Financial Services and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Franklin Financial Services' Growth Rank has ranged from 1.00 to 8.00.
Is Franklin Financial Services' Growth Rank too high?
Franklin Financial Services' current Growth Rank of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 8.00. Overall, Franklin Financial Services has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' Growth Rank compare to BPRN and EXSR?
Franklin Financial Services' Growth Rank of 4 can be compared against companies in the Banks industry. Historically, Franklin Financial Services' own Growth Rank has ranged from 1.00 to 8.00 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 Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Franklin Financial Services and its competitors. Franklin Financial Services's current Growth Rank is 4, which is 33% above median its own 10-year median of 3.00. 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 $43.40, compared to a current price of $63.00 — trading 45.2% above its estimated fair value. The current Growth Rank is 4, which is 33% above median its 10-year median of 3.00. Franklin Financial Services' overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Growth Rank is 4 as of Aug. 11, 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 $63.00 is trading 45.2% above its estimated GF Value™ of $43.40. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Growth Rank: 4 (33% above median its 10-year median of 3.00)
  • GF Value™: $43.40 vs. price of $63.00 (45.2% above fair value)
  • GF Score™: 56/100 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.
56GF Score

Get the complete analysis for FRAF

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.00
Price
$43.40
GF Value