First Northern Community Bancorp (FNRN) 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 Northern Community Bancorp (FNRN) over the past year, gaining 37.6% versus a gain of 32.7%. Over five years, FRAF leads with a +94.8% price change compared with +92.3% for FNRN. Franklin Financial Services is the larger company by market cap ($281.7 million vs $263.1 million), about 1.1 times the size.
On valuation, Franklin Financial Services trades at a lower trailing P/E (11.4x vs 12.3x for First Northern Community Bancorp). Franklin Financial Services pays a dividend yielding 2.12%, while First Northern Community 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 | FNRN | FRAF |
|---|---|---|
| Share price | $16.05 | $62.60 |
| Market cap | $263.14M | $281.67M |
| 1-day change | -7.23% | -1.14% |
| YTD return | +26.14% | +24.70% |
| 1-year return | +32.70% | +37.58% |
| 5-year return | +92.34% | +94.83% |
| P/E ratio (TTM) | 12.35 | 11.42 |
| Forward P/E | — | 9.50 |
| EPS (TTM) | $1.30 | $5.48 |
| Dividend yield | 0.00% | 2.12% |
| Annual dividend | $0.00 | $1.33 |
| 52-week high | $19.25 | $65.41 |
| 52-week low | $12.01 | $43.47 |
| Distance from 52-week high | -16.62% | -4.30% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +8.63% |
| Average volume | 110.58K | 37.12K |
| Shares outstanding | 16.40M | 4.50M |
| Employees | 204 | — |
| Sector | Finance | Financial Services |
| Industry | Savings Institutions | 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
- Franklin Financial Services offers a meaningfully higher dividend yield (2.12% vs 0.00%).
- The two companies sit in different sectors: First Northern Community Bancorp in Finance and Franklin Financial Services in Financial Services.
About First Northern Community Bancorp
FNRN stock →First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits.
Finance · Savings Institutions · 204 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
FNRN vs FRAF FAQ
Which is bigger, First Northern Community Bancorp or Franklin Financial Services?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $281.67M compared with $263.14M for First Northern Community Bancorp (FNRN).
Which stock has performed better over the past year, FNRN or FRAF?
FRAF returned +37.58% over the past 12 months, compared with +32.70% for FNRN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNRN or FRAF?
FRAF has the lower trailing P/E at 11.4, versus 12.3 for FNRN. 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 Northern Community Bancorp or Franklin Financial Services?
Franklin Financial Services pays a dividend yielding 2.12%, while First Northern Community Bancorp does not currently pay a regular dividend.
Are First Northern Community Bancorp and Franklin Financial Services in the same industry?
No. First Northern Community Bancorp is in the Finance sector, while Franklin Financial Services is in Financial Services.