ECB Bancorp (ECBK) 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
ECB Bancorp (ECBK) has outperformed Franklin Financial Services (FRAF) over the past year, gaining 38.9% versus a gain of 37.6%. Franklin Financial Services is the larger company by market cap ($281.7 million vs $184.5 million), about 1.5 times the size. On valuation, Franklin Financial Services trades at a lower trailing P/E (11.4x vs 15.3x for ECB Bancorp).
Franklin Financial Services pays a dividend yielding 2.12%, while ECB Bancorp does not currently pay one.
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 | ECBK | FRAF |
|---|---|---|
| Share price | $21.12 | $62.60 |
| Market cap | $184.54M | $281.67M |
| 1-day change | +1.44% | -1.14% |
| YTD return | +21.45% | +24.70% |
| 1-year return | +38.86% | +37.58% |
| 5-year return | — | +94.83% |
| P/E ratio (TTM) | 15.30 | 11.42 |
| Forward P/E | — | 9.50 |
| EPS (TTM) | $1.38 | $5.48 |
| Dividend yield | 0.00% | 2.12% |
| Annual dividend | $0.00 | $1.33 |
| 52-week high | $21.78 | $65.41 |
| 52-week low | $14.83 | $43.47 |
| Distance from 52-week high | -3.03% | -4.30% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +8.63% |
| Average volume | 9.10K | 37.12K |
| Shares outstanding | 8.74M | 4.50M |
| Employees | 64 | — |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- ECB Bancorp trades at a higher earnings multiple (15.3x vs 11.4x trailing P/E).
- Franklin Financial Services offers a meaningfully higher dividend yield (2.12% vs 0.00%).
About ECB Bancorp
ECBK stock →ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services.
Financial Services · Banks - Regional · 64 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.
Financial Services · Banks - Regional
ECBK vs FRAF FAQ
Which is bigger, ECB Bancorp or Franklin Financial Services?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $281.67M compared with $184.54M for ECB Bancorp (ECBK).
Which stock has performed better over the past year, ECBK or FRAF?
ECBK returned +38.86% 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, ECBK or FRAF?
FRAF has the lower trailing P/E at 11.4, versus 15.3 for ECBK. 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, ECB Bancorp or Franklin Financial Services?
Franklin Financial Services pays a dividend yielding 2.12%, while ECB Bancorp does not currently pay a regular dividend.
Are ECB Bancorp and Franklin Financial Services in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.