First Community (FCCO) 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
Franklin Financial Services (FRAF) has outperformed First Community (FCCO) over the past year, gaining 37.6% versus a gain of 18.0%. Over five years, FRAF leads with a +94.8% price change compared with +65.9% for FCCO. First Community is the larger company by market cap ($303.3 million vs $281.7 million), about 1.1 times the size.
On valuation, Franklin Financial Services trades at a lower forward P/E (9.5x vs 9.7x for First Community). Franklin Financial Services offers the higher dividend yield (2.12% vs 2.01%).
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 | FCCO | FRAF |
|---|---|---|
| Share price | $32.27 | $62.60 |
| Market cap | $303.33M | $281.67M |
| 1-day change | -0.52% | -1.14% |
| YTD return | +8.84% | +24.70% |
| 1-year return | +18.03% | +37.58% |
| 5-year return | +65.91% | +94.83% |
| P/E ratio (TTM) | 12.04 | 11.42 |
| Forward P/E | 9.72 | 9.50 |
| EPS (TTM) | $2.68 | $5.48 |
| Dividend yield | 2.01% | 2.12% |
| Annual dividend | $0.65 | $1.33 |
| 52-week high | $35.74 | $65.41 |
| 52-week low | $25.92 | $43.47 |
| Distance from 52-week high | -9.71% | -4.30% |
| Analyst consensus | none | none |
| Avg. price target upside | +17.23% | +8.63% |
| Average volume | 55.60K | 37.12K |
| Shares outstanding | 9.40M | 4.50M |
| Employees | 298 | — |
| 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
- FRAF has outperformed FCCO by 19.6 percentage points over the past year.
About First Community
FCCO stock →First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments.
Financial Services · Banks - Regional · 298 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
FCCO vs FRAF FAQ
Which is bigger, First Community or Franklin Financial Services?
First Community (FCCO) is larger, with a market capitalization of $303.33M compared with $281.67M for Franklin Financial Services (FRAF).
Which stock has performed better over the past year, FCCO or FRAF?
FRAF returned +37.58% over the past 12 months, compared with +18.03% for FCCO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCCO or FRAF?
FRAF has the lower trailing P/E at 11.4, versus 12.0 for FCCO. 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, First Community or Franklin Financial Services?
Franklin Financial Services has the higher yield at 2.12%, compared with 2.01% for First Community.
Are First Community and Franklin Financial Services in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.