RankAlpha logo
Back to Rankings

FRAF

Franklin Financial ServicesD
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
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 2026-10-27.
What can break
Deposit outflows / funding pressure
Momentum
27
Value
55
Sentiment
39
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $49.62 · Bull $67.05 · Bear $31.29Analysis 2026-01-13; returns require an exact persisted reference.
Earnings
2026-10-27
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-13 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $68.00
Why
Momentum27 · Δ7d -
Value55 · Δ7d +0.5
Sentiment39 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-27.
  • • Value remains the lead driver in the composite, 7D delta +0.5.

Contradictions & invalidation

  • • Deposit outflows / funding pressure
  • • Regulatory or capital actions limiting payouts
  • • Deposit stress, rising loan losses, or a dividend cut would compress multiples and could drive the price toward the bear target (~31.29).

Catalyst clock

2026-10-27

Quarterly earnings release (estimated)

Lead driver: Value · See fundamentals
Momentum
27
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
55
47% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+0.1
Sentiment
39
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 26.9 / Value 54.9 / Sentiment 39.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-13. Scenario method

B+
Bull case
20%
Probability
Target price
$67.05
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$49.62
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$31.29
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$288.42M
Beta
-0.08
Shares Out
4.5M
P/E (TTM)
14.3
P/S (TTM)
2.78
P/FCF (TTM)
11.56
Rev YoY
+1.1%
EPS YoY
+11.1%
Gross Margin
-
Op Margin
+22.7%
Net Debt
$192.24M
Current Ratio
0.14
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data