CF Bankshares (CFBK) vs Franklin Financial Services (FRAF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
CF Bankshares (CFBK) has outperformed Franklin Financial Services (FRAF) over the past year, gaining 41.5% versus a gain of 37.6%. Over five years, FRAF leads with a +94.8% price change compared with +72.2% for CFBK. Franklin Financial Services is the larger company by market cap ($281.7 million vs $219.7 million), about 1.3 times the size.
On valuation, CF Bankshares trades at a lower forward P/E (8.1x vs 9.5x for Franklin Financial Services). Franklin Financial Services offers the higher dividend yield (2.12% vs 1.00%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFBK | FRAF |
|---|---|---|
| Share price | $33.84 | $62.60 |
| Market cap | $219.70M | $281.67M |
| 1-day change | -1.80% | -1.14% |
| YTD return | +35.63% | +24.70% |
| 1-year return | +41.47% | +37.58% |
| 5-year return | +72.21% | +94.83% |
| P/E ratio (TTM) | 11.63 | 11.42 |
| Forward P/E | 8.06 | 9.50 |
| EPS (TTM) | $2.91 | $5.48 |
| Dividend yield | 1.00% | 2.12% |
| Annual dividend | $0.34 | $1.33 |
| 52-week high | $38.11 | $65.41 |
| 52-week low | $22.10 | $43.47 |
| Distance from 52-week high | -11.20% | -4.30% |
| Analyst consensus | none | none |
| Avg. price target upside | +18.20% | +8.63% |
| Average volume | 48.90K | 37.12K |
| Shares outstanding | 6.42M | 4.50M |
| Employees | 98 | — |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Franklin Financial Services offers a meaningfully higher dividend yield (2.12% vs 1.00%).
About CF Bankshares
CFBK stock →CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services.
Finance · Major Banks · 98 employees
About Franklin Financial Services
FRAF stock →Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits.
Finance · Major Banks
CFBK vs FRAF FAQ
Which is bigger, CF Bankshares or Franklin Financial Services?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $281.67M compared with $219.70M for CF Bankshares (CFBK).
Which stock has performed better over the past year, CFBK or FRAF?
CFBK returned +41.47% over the past 12 months, compared with +37.58% for FRAF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFBK or FRAF?
FRAF has the lower trailing P/E at 11.4, versus 11.6 for CFBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, CF Bankshares or Franklin Financial Services?
Franklin Financial Services has the higher yield at 2.12%, compared with 1.00% for CF Bankshares.
Are CF Bankshares and Franklin Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.