FRAF (Franklin Financial Services Corp) vs S&P 500 Comparison

FRAF

S&P 500

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FRAF

S&P 500

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FRAF

S&P 500

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Franklin Financial Services Corp
Glance View

Market Cap

228.5m USD

Industry

Banking

Franklin Financial Services Corp. is a bank holding company, which engages in financial services and offers traditional banking. The company is headquartered in Chambersburg, Pennsylvania and currently employs 280 full-time employees. The firm conducts business through its banking subsidiary, Farmers and Merchants Trust Company of Chambersburg (the Bank). The Bank is a chartered commercial bank and trust company. The Bank is engaged in general commercial, retail banking and trust services associated with community banks. The Bank offers a range of banking services to businesses, individuals, and governmental entities. These services include accepting and maintaining checking, savings, and time deposit accounts, providing investment and trust services, making loans, providing safe deposit facilities and many others. The Bank's investment and trust services department offers personal and corporate trust services associated with community bank trust departments, including estate planning and administration, corporate and personal trust fund management, pension, profit sharing and other employee benefit funds management, and custodial services.

View FRAF Analysis

FRAF Intrinsic Value

Overvaluation 35%

Intrinsic Value

Price

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

FRAF

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S&P 500

Stocks Performance
FRAF vs S&P 500

Performance Gap
FRAF vs S&P 500

Performance By Year
FRAF vs S&P 500

Competitors Performance
Franklin Financial Services Corp vs Peers

Franklin Financial Services Corp
Glance View

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FRAF vs S&P 500

Stocks Performance FRAF vs S&P 500

Performance Gap FRAF vs S&P 500

Performance By Year FRAF vs S&P 500

Competitors Performance Franklin Financial Services Corp vs Peers

Franklin Financial Services Corp Glance View

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FRAF

vs

S&P 500

Stocks Performance
FRAF vs S&P 500

Performance Gap
FRAF vs S&P 500

Performance By Year
FRAF vs S&P 500

Competitors Performance
Franklin Financial Services Corp vs Peers

Franklin Financial Services Corp
Glance View