Franklin Financial Services Corporation (FRAF) Fair Value 2026

FRAF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-31, Franklin Financial Services Corporation (FRAF) trades at $61.95, versus a $65.31 median fair value across its 5 active models — 5.4% above the current price. QOC: 8.2/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
FRAF
Price
$61.95
Quality Score
8.2/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.2/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Franklin Financial Services Corporation (FRAF) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Franklin Financial Services Corporation (FRAF) appears fairly valued as of : the median of 5 independent fair value estimates is $65.31, within 5.4% of the current price of $61.95. Estimates range from $19.93 to $100.03. FRAF scores 8.2/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. FRAF’s +5.4% gap is narrower than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Franklin Financial Services Corporation Stock in 2026? →

What Fair Value Does Each Model Give FRAF?

5 Intrinsic Value Models vs. Current Price ($61.95)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $55.43 -10.5%
Intrinsic · High Conviction
 $19.93 -67.8%
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What Is FRAF's Fair Value Range?

Spread across 5 independent models · $19.93 to $100.03

CirclFi's 5 active models place Franklin Financial Services Corporation (FRAF) between $19.93 and $100.03 per share, a spread of 123% of the median. The median of that range — $65.31 — is the fair value CirclFi publishes for FRAF, against a current price of $61.95.

Low · Markov DDMHigh · Regime Cross
$19.93median $65.31$100.03
Where the range comes from
Most bearish modelMarkov DDM$19.93
Most bullish modelRegime Cross-Sectional$100.03
Model agreement3 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for FRAF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on FRAF, not a CirclFi price target. How each model works →

What Is Franklin Financial Services Corporation (FRAF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Franklin Financial Services Corporation's intrinsic value is estimated at $65.31, suggesting a +5.4% median upside from the current price of $61.95. While 3 models see room for appreciation, model agreement is not unanimous as 2 models flag potential overvaluation. Model dispersion is worth noting: Regime Cross targets $100.03 (+61.5%), versus Markov DDM at $19.93 (-67.8%). This +129.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About FRAF?

5 of 13 models are currently active for FRAF. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for FRAF is $65.31 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FRAF Rank in Banks - Regional?

Among 352 Banks - Regional stocks, FRAF ranks #120 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places FRAF in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Franklin Financial Services Corporation competes in an environment where net interest margin (NIM) often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is FRAF a Value Trap?

CirclFi's Value Trap algorithm assigns FRAF a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Franklin Financial Services Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Franklin Financial Services Corporation is rated at 8.2/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +129.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FRAF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FRAF's 5 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Franklin Financial Services Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

LKFNLakeland Financial CorporationQOC 8.3CCBCoastal Financial CorporationQOC 8.2ZIONZions Bancorporation, National AssociationQOC 8.3RRBIRed River Bancshares, Inc.QOC 8.2FSBCFive Star BancorpQOC 8.3PNCThe PNC Financial Services Group, Inc.QOC 8.2TFCTruist Financial CorporationQOC 7.8KRNYKearny Financial Corp.QOC 7.2MGYRMagyar Bancorp, Inc.QOC 8.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: LKFN · CCB · ZION · RRBI · FSBC · PNC · TFC · KRNY · MGYR · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to FRAF?

4 companies across all industries closest to FRAF’s Quality of Company score of 8.2/10.

DPZDomino's Pizza, Inc.QOC 8.2RHPRyman Hospitality Properties, Inc.QOC 8.2SSNCSS&C Technologies Holdings, Inc.QOC 8.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DPZ · RHP · SSNC · NVDA

Where Does FRAF Sit in CirclFi's Banks - Regional Rankings?

FRAF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Franklin Financial Services Corporation’s Valuation?

What is Franklin Financial Services Corporation's intrinsic value in 2026?

CirclFi puts Franklin Financial Services Corporation (FRAF)'s intrinsic value at $65.31 — the median of 5 independent model estimates as of 2026-08-31, ranging from $19.93 to $100.03. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FRAF overvalued or undervalued right now?

At $61.95, 3 of 5 active models suggest FRAF may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $65.31, within 5.4% of the current price of $61.95 — a consensus view that FRAF is fairly valued. The assessment depends on which methodology best fits Franklin Financial Services Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for FRAF?

Franklin Financial Services Corporation's QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FRAF?

CirclFi analyzes FRAF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FRAF?

Of the 5 models currently active on FRAF, Regime Cross-Sectional is the most bullish at $100.03 per share, and Markov DDM is the most bearish at $19.93. CirclFi's published fair value for FRAF is the median of that range, $65.31, not either extreme. The gap between the two ends equals 123% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is FRAF a value trap in 2026?

Franklin Financial Services Corporation's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Franklin Financial Services Corporation (FRAF) has a median fair value of $65.31 — within 5.4% of the current price of $61.95 — as of 2026-08-31.” Source: circlfi.com/stock/FRAF/ · Methodology
Primary sources for this FRAF valuation

Market data for FRAF as of ; valuations recomputed .

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