Franklin Financial Services (FRAF) Competitors $36.92 -0.14 (-0.38%) As of 07/7/2025 04:00 PM Eastern Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock FRAF vs. FSBC, SPFI, SMBK, CBNK, ALRS, MPB, QD, SHBI, BCAL, and YRDShould you be buying Franklin Financial Services stock or one of its competitors? The main competitors of Franklin Financial Services include Five Star Bancorp (FSBC), South Plains Financial (SPFI), SmartFinancial (SMBK), Capital Bancorp (CBNK), Alerus Financial (ALRS), Mid Penn Bancorp (MPB), Qudian (QD), Shore Bancshares (SHBI), California BanCorp (BCAL), and Yirendai (YRD). These companies are all part of the "banking" industry. Franklin Financial Services vs. Its Competitors Five Star Bancorp South Plains Financial SmartFinancial Capital Bancorp Alerus Financial Mid Penn Bancorp Qudian Shore Bancshares California BanCorp Yirendai Franklin Financial Services (NASDAQ:FRAF) and Five Star Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, media sentiment, earnings, profitability, valuation, risk, institutional ownership and dividends. Which has more volatility and risk, FRAF or FSBC? Franklin Financial Services has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500. Comparatively, Five Star Bancorp has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500. Is FRAF or FSBC a better dividend stock? Franklin Financial Services pays an annual dividend of $1.32 per share and has a dividend yield of 3.6%. Five Star Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.7%. Franklin Financial Services pays out 50.8% of its earnings in the form of a dividend. Five Star Bancorp pays out 35.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Franklin Financial Services has raised its dividend for 1 consecutive years. Franklin Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Does the media prefer FRAF or FSBC? In the previous week, Five Star Bancorp had 2 more articles in the media than Franklin Financial Services. MarketBeat recorded 2 mentions for Five Star Bancorp and 0 mentions for Franklin Financial Services. Franklin Financial Services' average media sentiment score of 1.80 beat Five Star Bancorp's score of 0.94 indicating that Franklin Financial Services is being referred to more favorably in the media. Company Overall Sentiment Franklin Financial Services Very Positive Five Star Bancorp Positive Do insiders & institutionals have more ownership in FRAF or FSBC? 24.8% of Franklin Financial Services shares are owned by institutional investors. Comparatively, 46.9% of Five Star Bancorp shares are owned by institutional investors. 7.4% of Franklin Financial Services shares are owned by insiders. Comparatively, 25.6% of Five Star Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term. Do analysts prefer FRAF or FSBC? Five Star Bancorp has a consensus price target of $35.00, suggesting a potential upside of 16.86%. Given Five Star Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Five Star Bancorp is more favorable than Franklin Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Franklin Financial Services 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Five Star Bancorp 0 Sell rating(s) 1 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 2.80 Which has stronger earnings & valuation, FRAF or FSBC? Five Star Bancorp has higher revenue and earnings than Franklin Financial Services. Five Star Bancorp is trading at a lower price-to-earnings ratio than Franklin Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioFranklin Financial Services$115.13M1.43$11.10M$2.6014.20Five Star Bancorp$213.40M2.99$45.67M$2.2813.14 Is FRAF or FSBC more profitable? Five Star Bancorp has a net margin of 21.64% compared to Franklin Financial Services' net margin of 9.82%. Five Star Bancorp's return on equity of 12.24% beat Franklin Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Franklin Financial Services9.82% 8.00% 0.54% Five Star Bancorp 21.64%12.24%1.22% SummaryFive Star Bancorp beats Franklin Financial Services on 14 of the 19 factors compared between the two stocks. Get Franklin Financial Services News Delivered to You Automatically Sign up to receive the latest news and ratings for FRAF and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding FRAF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart FRAF vs. The Competition Export to ExcelMetricFranklin Financial ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$165.23M$875.56M$12.01B$9.02BDividend Yield3.56%3.11%5.53%4.05%P/E Ratio14.2019.5919.9520.08Price / Sales1.432.2426.0493.26Price / Cash10.1016.0818.7228.59Price / Book1.131.122.255.55Net Income$11.10M$54.19M$990.08M$248.49M7 Day Performance0.79%1.29%0.55%4.87%1 Month Performance1.68%5.82%3.39%6.63%1 Year Performance35.19%27.77%540.31%20.38% Franklin Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)FRAFFranklin Financial Services2.428 of 5 stars$36.92-0.4%N/A+33.8%$165.23M$115.13M14.20280Positive NewsHigh Trading VolumeFSBCFive Star Bancorp4.0809 of 5 stars$28.54+0.3%$35.00+22.6%+31.2%$607.03M$213.40M12.52180SPFISouth Plains Financial4.1458 of 5 stars$36.04+0.9%$41.50+15.1%+39.7%$579.65M$288.97M12.01680Positive NewsHigh Trading VolumeSMBKSmartFinancial2.2566 of 5 stars$33.69+0.1%$33.70+0.0%+53.1%$573.34M$178.24M15.74550CBNKCapital Bancorp4.0914 of 5 stars$33.58+0.1%$34.50+2.7%+77.7%$558.83M$244.71M13.54270ALRSAlerus Financial4.1953 of 5 stars$21.64-1.3%$23.00+6.3%+20.9%$556.27M$336.51M17.74840MPBMid Penn Bancorp4.3483 of 5 stars$28.20-0.2%$36.00+27.7%+40.1%$547.19M$309.08M9.79620Positive NewsQDQudian1.1106 of 5 stars$3.11+0.6%N/A+78.6%$521.25M$29.65M12.96940News CoverageSHBIShore Bancshares3.7537 of 5 stars$15.72+0.8%$20.00+27.2%+49.4%$520.30M$326.48M10.55450Positive NewsHigh Trading VolumeBCALCalifornia BanCorp1.493 of 5 stars$15.76+1.0%$19.50+23.7%+23.8%$506.13M$184.56M35.02204Positive NewsYRDYirendai2.9237 of 5 stars$5.90+0.9%N/A+35.1%$505.48M$795.41M2.763,800 Related Companies and Tools Related Companies Five Star Bancorp Alternatives South Plains Financial Alternatives SmartFinancial Alternatives Capital Bancorp Alternatives Alerus Financial Alternatives Mid Penn Bancorp Alternatives Qudian Alternatives Shore Bancshares Alternatives California BanCorp Alternatives Yirendai Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:FRAF) was last updated on 7/8/2025 by MarketBeat.com Staff From Our PartnersEveryone’s watching Nvidia right now. 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