FRAF (Franklin Financial Services) Momentum Rank: 1 (As of Sep. 22, 2026) — 80% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRAF Franklin Financial Services Corp FRAF
53 GF Score
Price $63.09
GF Value $46.01
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Momentum Rank?

Franklin Financial Services FRAF -0.21% 53 Momentum Rank is 1 as of Sep. 22, 2026, which is 80% below its 10-year median of 5.00. GuruFocus rates FRAF with a GF Score™ of 53/100 and a GF Value™ of $46.01 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Franklin Financial Services has the Momentum Rank of 1.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Franklin Financial Services Momentum Rank Related Terms

FRAF vs FUNC, FXNC, ATLO: Momentum Rank Comparison

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

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

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


FRAF
53GF Score
Franklin Financial Services Corp FRAF
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 1 mean?
Franklin Financial Services (FRAF) has a Momentum Rank of 1 as of Sep. 22, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Franklin Financial Services and its competitors. This is 80% below median its historical median of 5.00. Over the past decade, Franklin Financial Services' Momentum Rank has ranged from 1.00 to 10.00.
Is Franklin Financial Services' Momentum Rank too high?
Franklin Financial Services' current Momentum Rank of 1 is 80% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Franklin Financial Services has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Financial Services' Momentum Rank compare to FUNC and FXNC?
Franklin Financial Services' Momentum Rank of 1 can be compared against companies in the Banks industry. Historically, Franklin Financial Services' own Momentum Rank has ranged from 1.00 to 10.00 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 Momentum Rank for a Banks company?
A good Momentum Rank depends on the Banks industry context. However, Momentum 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Franklin Financial Services and its competitors. Franklin Financial Services's current Momentum Rank is 1, which is 80% below median its own 10-year median of 5.00. 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 $46.01, compared to a current price of $63.09 — trading 37.1% above its estimated fair value. The current Momentum Rank is 1, which is 80% below median its 10-year median of 5.00. Franklin Financial Services' overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For Franklin Financial Services (FRAF), the current Momentum Rank is 1 as of Sep. 22, 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 $63.09 is trading 37.1% above its estimated GF Value™ of $46.01. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Momentum Rank: 1 (80% below median its 10-year median of 5.00)
  • GF Value™: $46.01 vs. price of $63.09 (37.1% above fair value)
  • GF Score™: 53/100 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 Corporation is a bank holding company headquartered in Chambersburg, Pennsylvania, operating primarily through its subsidiary, Farmers and Merchants Trust Company of Chambersburg, commonly known as F&M Trust. The bank provides commercial and retail banking services to individuals, businesses, and governmental entities across central Pennsylvania and the surrounding region. Its offerings include checking, savings, and time deposit accounts, commercial and consumer lending, residential mortgage loans, and safe deposit facilities. Through its investment and trust services department, the company also delivers personal trust, estate administration, corporate trust, pension, and fiduciary services. Revenue is generated mainly from net interest income on loans and deposits, supplemented by fees from trust and wealth management services, mortgage banking, and other deposit-related charges. The company operates a branch network concentrated in its Pennsylvania market area.
53GF Score

Get the complete analysis for FRAF

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

$63.09
Price
$46.01
GF Value