Franklin Financial Services (FRAF) ROE: History & Chart

Franklin Financial Services Corporation(FRAF)

Banks - Regional · Chambersburg, PA

$63.14+0.18 (+0.29%)

Delayed quote: Oct 6, 2026, 3:20 PM EDT

About Franklin Financial Services Corporation

Franklin Financial Services Corporation (FRAF) operates as the parent company for Farmers and Merchants Trust Company of Chambersburg, delivering a comprehensive array of financial solutions. This includes commercial, retail banking, and trust services for a diverse clientele, comprising individuals, small and medium-sized businesses, governmental entities, and non-profit organizations throughout Pennsylvania. The company provides various deposit options, such as checking, savings, money market, and time deposit accounts, alongside demand deposits. Its lending portfolio is extensive, featuring commercial real estate, construction and land development, and agricultural loans. It also offers secured and unsecured commercial and industrial financing, including accounts receivable, inventory, and equipment loans, as well as residential mortgages and consumer installment and revolving loans. Beyond core banking, Franklin Financial offers robust investment and trust services. These encompass estate planning and administration, management of corporate and personal trust funds, oversight of pension and other employee benefit funds, and custodial services. Additionally, the company facilitates the sale of mutual funds, annuities, and insurance products, and provides safe deposit facilities and fiduciary services. Through its subsidiary, Franklin Future Fund Inc., the corporation also operates as a non-bank investment firm, engaging in venture capital investments. Established in 1906 and headquartered in Chambersburg, Pennsylvania, Franklin Financial Services Corporation serves its customers through 22 community banking offices located across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania.

Chambersburg, PA

306 employees

www.franklinfin.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Craig W. Best

View full financials

FRAF Return on Equity (ROE) Metrics

RETURN ON EQUITY (ROE)

13.41%

RETURN ON EQUITY (ROE) AVG TTM

11.51%

RETURN ON EQUITY (ROE) AVG 3Y

10.55%

RETURN ON EQUITY (ROE) AVG 5Y

11.45%

RETURN ON EQUITY (ROE) AVG 10Y

9.97%

RETURN ON EQUITY (ROE) AVG 15Y

9.11%

RETURN ON EQUITY (ROE) AVG 20Y

9.45%

CURRENT VS TTM AVG

+16.43%

CURRENT VS 3Y AVG

+27.11%

CURRENT VS 5Y AVG

+17.13%

CURRENT VS 10Y AVG

+34.50%

CURRENT VS 15Y AVG

+47.21%

CURRENT VS 20Y AVG

+41.81%

SECTOR MEDIAN · FINANCIAL SERVICES

8.76%

median of 677 covered companies

CURRENT VS SECTOR MEDIAN

+53.03%

vs the sector median at left

NAME	MARKET CAP	RETURN ON EQUITY (ROE)	TTM	3Y	5Y
Franklin Financial Services Corporation (FRAF)	$283.69M	13.41%	11.51%	10.55%	11.45%
CPI Card Group Inc. (PMTS)vs ›	$283.91M	N/A	-70.53%	-57.94%	-42.77%
Inflection Point Acquisition Corp. VIII (IPHX)vs ›	$284.05M	N/A	N/A	N/A	N/A
Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs ›	$283.54M	-34.69%	-12.77%	-4.56%	-12.03%
Thayer Ventures Acquisition Corporation II Class A Ordinary Shares (TVAI)vs ›	$283.11M	2.97%	1.96%	1.96%	1.96%
Ames National Corporation (ATLO)vs ›	$284.27M	10.78%	7.50%	8.62%	9.16%
X3 Acquisition Corp. Ltd. (XCBE)vs ›	$281.81M	N/A	N/A	N/A	N/A
First United Corporation (FUNC)vs ›	$279.77M	11.80%	11.75%	12.33%	12.30%
HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs ›	$288.65M	N/A	0.00%	0.00%	0.00%
Oak Valley Bancorp (OVLY)vs ›	$288.88M	10.81%	12.55%	15.44%	13.96%

NAME

MARKET CAP

RETURN ON EQUITY (ROE)

TTM

Franklin Financial Services Corporation (FRAF)

$283.69M

13.41%

11.51%

10.55%

11.45%

CPI Card Group Inc. (PMTS)vs ›

$283.91M

N/A

-70.53%

-57.94%

-42.77%

Inflection Point Acquisition Corp. VIII (IPHX)vs ›

$284.05M

N/A

Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs ›

$283.54M

-34.69%

-12.77%

-4.56%

-12.03%

Thayer Ventures Acquisition Corporation II Class A Ordinary Shares (TVAI)vs ›

$283.11M

2.97%

1.96%

Ames National Corporation (ATLO)vs ›

$284.27M

10.78%

7.50%

8.62%

9.16%

X3 Acquisition Corp. Ltd. (XCBE)vs ›

$281.81M

N/A

First United Corporation (FUNC)vs ›

$279.77M

11.80%

11.75%

12.33%

12.30%

HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs ›

$288.65M

N/A

0.00%

Oak Valley Bancorp (OVLY)vs ›

$288.88M

10.81%

12.55%

15.44%

13.96%

Return on Equity (ROE) FAQ

What is the return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The return on equity (ROE) for FRAF stock is 13.41%.

Is Franklin Financial Services Corporation's return on equity (ROE) high or low?

The return on equity (ROE) of 13.41% is 17% above its 5-year average of 11.45%, near the high end of its 5-year range (7.67%–13.75%).

What is the TTM average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The TTM average return on equity (ROE) for FRAF stock is 11.51%.

What is the 3Y average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The 3Y average return on equity (ROE) for FRAF stock is 10.55%.

What is the 5Y average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The 5Y average return on equity (ROE) for FRAF stock is 11.45%.

What is the 10Y average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The 10Y average return on equity (ROE) for FRAF stock is 9.97%.

What is the 15Y average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The 15Y average return on equity (ROE) for FRAF stock is 9.11%.

What is the 20Y average return on equity (ROE) for Franklin Financial Services Corporation (FRAF)?

The 20Y average return on equity (ROE) for FRAF stock is 9.45%.

DATE	RETURN ON EQUITY (ROE)
2026-06-30	13.41%
2026-03-31	13.39%
2025-12-31	12.11%
2025-09-30	9.42%
2025-06-30	9.24%
2025-03-31	7.70%
2024-12-31	7.67%
2024-09-30	9.39%
2024-06-30	10.03%
2024-03-31	10.18%
2023-12-31	10.29%
2023-09-30	12.06%
2023-06-30	12.20%
2023-03-31	12.31%
2022-12-31	13.08%
2022-09-30	13.75%
2022-06-30	13.22%
2022-03-31	12.98%
2021-12-31	12.49%
2021-09-30	13.42%
2021-06-30	11.98%
2021-03-31	11.31%
2020-12-31	8.82%
2020-09-30	9.06%
2020-06-30	10.15%
2020-03-31	11.32%
2019-12-31	12.64%
2019-09-30	12.31%
2019-06-30	12.13%
2019-03-31	4.82%
2018-12-31	5.17%
2018-09-30	-4.33%
2018-06-30	-5.28%
2018-03-31	2.27%
2017-12-31	1.89%
2017-09-30	8.96%
2017-06-30	8.30%
2017-03-31	7.03%
2016-12-31	6.94%
2016-09-30	7.38%
2016-06-30	7.88%
2016-03-31	8.79%
2015-12-31	9.16%
2015-09-30	8.89%
2015-06-30	8.97%
2015-03-31	8.93%
2014-12-31	8.12%
2014-09-30	7.54%
2014-06-30	7.47%
2014-03-31	6.66%
2013-12-31	6.53%
2013-09-30	5.82%
2013-06-30	5.39%
2013-03-31	5.97%
2012-12-31	5.86%
2012-09-30	7.55%
2012-06-30	6.93%
2012-03-31	6.90%
2011-12-31	7.53%
2011-09-30	7.33%
2011-06-30	8.22%
2011-03-31	8.88%
2010-12-31	9.21%
2010-09-30	9.36%
2010-06-30	8.60%
2010-03-31	8.01%
2009-12-31	8.36%
2009-09-30	7.50%
2009-06-30	9.68%
2009-03-31	11.15%
2008-12-31	11.77%
2008-09-30	13.04%
2008-06-30	13.00%
2008-03-31	12.48%
2007-12-31	11.92%
2007-09-30	11.78%
2007-06-30	11.43%
2007-03-31	11.19%
2006-12-31	10.57%
2006-09-30	9.95%
2006-06-30	11.65%
2006-03-31	11.02%
2005-12-31	10.98%
2005-09-30	10.58%
2005-06-30	10.23%
2005-03-31	9.80%
2004-12-31	9.50%
2004-09-30	9.49%
2004-06-30	9.87%
2004-03-31	10.40%
2003-12-31	11.26%
2003-09-30	11.96%
2003-06-30	11.57%

DATE

RETURN ON EQUITY (ROE)

2026-06-30

13.41%

2026-03-31

13.39%

2025-12-31

12.11%

2025-09-30

9.42%

2025-06-30

9.24%

2025-03-31

7.70%

2024-12-31

7.67%

2024-09-30

9.39%

2024-06-30

10.03%

2024-03-31

10.18%

2023-12-31

10.29%

2023-09-30

12.06%

2023-06-30

12.20%

2023-03-31

12.31%

2022-12-31

13.08%

2022-09-30

13.75%

2022-06-30

13.22%

2022-03-31

12.98%

2021-12-31

12.49%

2021-09-30

13.42%

2021-06-30

11.98%

2021-03-31

11.31%

2020-12-31

8.82%

2020-09-30

9.06%

2020-06-30

10.15%

2020-03-31

11.32%

2019-12-31

12.64%

2019-09-30

12.31%

2019-06-30

12.13%

2019-03-31

4.82%

2018-12-31

5.17%

2018-09-30

-4.33%

2018-06-30

-5.28%

2018-03-31

2.27%

2017-12-31

1.89%

2017-09-30

8.96%

2017-06-30

8.30%

2017-03-31

7.03%

2016-12-31

6.94%

2016-09-30

7.38%

2016-06-30

7.88%

2016-03-31

8.79%

2015-12-31

9.16%

2015-09-30

8.89%

2015-06-30

8.97%

2015-03-31

8.93%

2014-12-31

8.12%

2014-09-30

7.54%

2014-06-30

7.47%

2014-03-31

6.66%

2013-12-31

6.53%

2013-09-30

5.82%

2013-06-30

5.39%

2013-03-31

5.97%

2012-12-31

5.86%

2012-09-30

7.55%

2012-06-30

6.93%

2012-03-31

6.90%

2011-12-31

7.53%

2011-09-30

7.33%

2011-06-30

8.22%

2011-03-31

8.88%

2010-12-31

9.21%

2010-09-30

9.36%

2010-06-30

8.60%

2010-03-31

8.01%

2009-12-31

8.36%

2009-09-30

7.50%

2009-06-30

9.68%

2009-03-31

11.15%

2008-12-31

11.77%

2008-09-30

13.04%

2008-06-30

13.00%

2008-03-31

12.48%

2007-12-31

11.92%

2007-09-30

11.78%

2007-06-30

11.43%

2007-03-31

11.19%

2006-12-31

10.57%

2006-09-30

9.95%

2006-06-30

11.65%

2006-03-31

11.02%

2005-12-31

10.98%

2005-09-30

10.58%

2005-06-30

10.23%

2005-03-31

9.80%

2004-12-31

9.50%

2004-09-30

9.49%

2004-06-30

9.87%

2004-03-31

10.40%

2003-12-31

11.26%

2003-09-30

11.96%

2003-06-30

11.57%

Return on Equity (ROE): 13.41%

FRAF Return on Equity (ROE)

FRAF Average Return on Equity (ROE) Chart

FRAF Current vs Average Return on Equity (ROE) Chart

FRAF Return on Equity (ROE) Metrics

FRAF Competitors' Return on Equity (ROE)

Return Analysis

Return on Equity (ROE) Formula & Definition

Return on Equity (ROE) FAQ

FRAF Return on Equity (ROE) History

Related Metrics