FRAF Stock Analysis: Buy, Sell, or Hold?
FRAF - Franklin Financial Services Corporation Common Stock
$54.41
-1.93 (-3.43%)
▼
5d:
-6.99%
30d:
-3.46%
90d:
+10.77%
HOLD
LOW Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 21, 2026
Get Alerted When FRAF Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: FRAF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: FRAF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.15
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$49.15
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FRAF is currently trading at $54.41, which is considered oversold relative to its 30-day fair value range of $55.22 to $57.71. The stock's valuation (Forward PE: 8.4) is in line with its historical norms (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 68.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FRAF is in a strong uptrend. The price is currently testing key support at $55.24. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.4% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $64.00 (+17.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FRAF is in a strong uptrend. The price is currently testing key support at $55.24. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.4% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $64.00 (+17.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$55.22 -
$57.71
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.4%)
- BULLISH: Trading below Wall St target ($64.00)
- CAUTION: Recommendation downgraded due to -7.0% 5-day decline
Trading Range Analysis
30-Day Trading Range
$55.22 -
$57.71
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$55.24
Resistance Level
$58.79
Current Trend
Strong Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.40
Wall Street Target
$64.00
(+17.6%)
Revenue Growth (YoY)
22.0%
Earnings Growth (YoY)
68.2%
Profit Margin
26.5%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
8.4 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$54.14
(-1%)
2-Year Target
$53.87
(-1%)
3-Year Target
$53.60
(-2%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$54.26
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 11.1%)
$196.38
(+261%)
Base:
(SPY PE: 8.4, Growth: 11.1%)
$74.71
(+37%)
Bear:
(PE: 7.1, Growth: 11.1%)
$63.51
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 10.55 | Current EPS (TTM): $5.34
Bull Case
$75.20
(+38%)
Analyst growth 21.3%, PE expands to 11.6
Base Case
$68.37
(+26%)
Market implied 21.3%, PE stable at 10.6
Bear Case
$38.31
(-30%)
Severe decline -20.0%, PE contracts to 9.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.4 to 8.5
Stabilization Target:
$55.08
(+1.2%)
PE Expansion Potential:
+1.2%
Share & Embed Analysis
Last updated: May 15, 2026 6:28 PM ET
Data refreshes hourly during market hours. Next update: 7:28 PM
Data refreshes hourly during market hours. Next update: 7:28 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FRAF showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Kimberly Rzomp
SELL
1500 shares
2025-12-22
Gregory A Duffey
BUY
19 shares
2025-11-26
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$63 | 55 HOLD |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$255 | 60 HOLD |
|
KEY
KeyCorp |
BUY
24 analysts |
$25 | 59 HOLD |
|
WBS
Webster Financial Corpor… |
STRONG BUY
16 analysts |
$74 | 59 HOLD |
|
NU
Nu Holdings Ltd |
BUY
20 analysts |
$20 | 50 HOLD |
