Which has the lower trailing P/E, FNRN or FRAF?

FRAF has the lower trailing P/E: FNRN trades at 12.78 and FRAF at 11.50. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FNRN or FRAF?

Over the past five years, FRAF grew revenue faster — FNRN at a 9.62% CAGR versus FRAF at 17.02%.

Does FNRN or FRAF pay a bigger dividend?

FRAF pays a dividend (2.13% yield), while FNRN has no payments in the available dividend history.

Is FNRN or FRAF more profitable?

FNRN runs the higher net margin — FNRN at 25.21% versus FRAF at 18.24%.

How have FNRN and FRAF total returns compared?

Over the past 10 years, FNRN delivered 13.41% and FRAF delivered 13.94% annualized total return. Past performance doesn't predict future results.

First Northern Community Bancorp (FNRN) vs Franklin Financial Services Corporation (FRAF)

A side-by-side comparison of First Northern Community Bancorp and Franklin Financial Services Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FNRN

First Northern Community Bancorp

$292M

$17.77Financial ServicesDelayed quote: Oct 6, 2026, 12:10 PM EDT

FRAF

Franklin Financial Services Corporation

$284M

$63.11Financial ServicesDelayed quote: Oct 6, 2026, 12:10 PM EDT

Total return — FNRN vs FRAF

growth of $100 · dividends reinvested · last 10y

FNRN +249.7% (+13.3%/yr)FRAF +268.7% (+13.9%/yr)FRAF compounded faster over this window

FNRN FRAF

FNRN vs FRAF: by the numbers

•FNRN is the larger company ($292M vs $284M market cap).
•FRAF trades at the lower trailing earnings multiple (11.50 vs 12.78 P/E), one valuation lens rather than an overall verdict.
•FNRN converts more revenue to profit (25.21% vs 18.24% net margin).
•FRAF grew revenue faster over the past five years (17.02% vs 9.62% CAGR).
•FRAF pays a dividend (2.13% yield), while FNRN has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FNRN	FRAF
P/E ratio	12.78	11.50
Forward P/E	N/A	10.90
PEG ratio	1.04	1.14
P/S ratio	3.25	2.10
P/B ratio	1.34	1.54

Profitability

Metric	FNRN	FRAF
Operating margin	31.96%	22.72%
Net margin	25.21%	18.24%
ROE	10.42%	13.41%

First Northern Community Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Franklin Financial Services Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FNRN	FRAF
Dividend yield	N/A	2.13%
Payout ratio	N/A	24.41%

Growth (annualized)

Metric	FNRN	FRAF
Revenue CAGR (5Y)	9.62%	17.02%
EPS CAGR (5Y)	12.61%	10.03%
Total return CAGR (5Y)	15.84%	18.89%

Frequently asked

Which has the lower trailing P/E, FNRN or FRAF?: FRAF has the lower trailing P/E: FNRN trades at 12.78 and FRAF at 11.50. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FNRN or FRAF?: Over the past five years, FRAF grew revenue faster — FNRN at a 9.62% CAGR versus FRAF at 17.02%.
Does FNRN or FRAF pay a bigger dividend?: FRAF pays a dividend (2.13% yield), while FNRN has no payments in the available dividend history.
Is FNRN or FRAF more profitable?: FNRN runs the higher net margin — FNRN at 25.21% versus FRAF at 18.24%.
How have FNRN and FRAF total returns compared?: Over the past 10 years, FNRN delivered 13.41% and FRAF delivered 13.94% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FNRN analysis Full FRAF analysis Interactive comparison tool

Dig into the metrics

First Northern Community Bancorp P/E ratio Franklin Financial Services P/E ratio Franklin Financial Services dividend yield First Northern Community Bancorp ROE Franklin Financial Services ROE First Northern Community Bancorp operating margin Franklin Financial Services operating margin First Northern Community Bancorp revenue growth Franklin Financial Services revenue growth

First Northern Community Bancorp & Franklin Financial Services appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.