FRAF

Franklin Financial ServicesD

Nasdaq / Banks

At close

2026-07-22

Current thesis

Sustained NIM expansion, contained credit costs, and return of capital (dividends/buybacks) could re-rate the stock toward regional peers and the bull target (~67.05).

Posture

Defensive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-28.

What can break

Deposit outflows / funding pressure

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $49.62 · Bull $67.05 · Bear $31.29

Earnings

2026-07-28

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-13 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $64.00

Why

Momentum27 · Δ7d -

Value57 · Δ7d +0.3

Sentiment41 · Δ7d -

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+1.2

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade D. Momentum 26.9 / Value 57.0 / Sentiment 40.9

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$277.18M

Beta

-0.08

Shares Out

4.49M

P/E (TTM)

14.3

P/S (TTM)

2.78

P/FCF (TTM)

11.56

Rev YoY

+4.8%

EPS YoY

+67.9%

Gross Margin

Op Margin

+23.9%

Net Debt

$192.24M

Current Ratio

0.19

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology