FRAF (Franklin Financial Services) Risk Assessment


FRAF Franklin Financial Services Corp FRAF
53 GF Score
Price $61.79
GF Value $43.24
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Franklin Financial Services Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Franklin Financial Services is: High Risk: High uncertainty with risk-return tradeoff.

Franklin Financial Services  (NAS:FRAF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Franklin Financial Services Risk Assessment Related Terms

FRAF vs OVLY, CFFI, LRBI: Risk Assessment Comparison

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

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

* The bar in red indicates where Franklin Financial Services's Risk Assessment falls into.


FRAF
53GF Score
Franklin Financial Services Corp FRAF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $61.79 is trading 42.9% above its estimated GF Value™ of $43.24. GuruFocus considers Franklin Financial Services to be Significantly Overvalued.

Key valuation signals for FRAF:

  • Risk Assessment:
  • GF Value™: $43.24 vs. price of $61.79 (42.9% 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 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.
53GF Score

Get the complete analysis for FRAF

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

$61.79
Price
$43.24
GF Value