Franklin Financial Services (FRAF) vs FS Bancorp (FSBW)
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 FS Bancorp (FSBW) over the past year, gaining 37.6% versus a gain of 14.0%. Over five years, FRAF leads with a +94.8% price change compared with +29.8% for FSBW. FS Bancorp is the larger company by market cap ($346.7 million vs $281.7 million), about 1.2 times the size.
On valuation, FS Bancorp trades at a lower forward P/E (9.4x vs 9.5x for Franklin Financial Services). FS Bancorp offers the higher dividend yield (2.59% vs 2.12%).
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 | FRAF | FSBW |
|---|---|---|
| Share price | $62.60 | $44.10 |
| Market cap | $281.67M | $346.72M |
| 1-day change | -1.14% | -0.50% |
| YTD return | +24.70% | +7.12% |
| 1-year return | +37.58% | +13.95% |
| 5-year return | +94.83% | +29.78% |
| P/E ratio (TTM) | 11.42 | 10.21 |
| Forward P/E | 9.50 | 9.45 |
| EPS (TTM) | $5.48 | $4.32 |
| Dividend yield | 2.12% | 2.59% |
| Annual dividend | $1.33 | $1.14 |
| 52-week high | $65.41 | $45.85 |
| 52-week low | $43.47 | $36.66 |
| Distance from 52-week high | -4.30% | -3.82% |
| Analyst consensus | none | hold |
| Avg. price target upside | +8.63% | +2.04% |
| Average volume | 37.12K | 24.28K |
| Shares outstanding | 4.50M | 7.86M |
| Employees | — | 593 |
| Sector | Finance | Finance |
| Industry | Major Banks | 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
- FRAF has outperformed FSBW by 23.6 percentage points over the past year.
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
About FS Bancorp
FSBW stock →FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches in Washington.
Finance · Banks · 593 employees
FRAF vs FSBW FAQ
Which is bigger, Franklin Financial Services or FS Bancorp?
FS Bancorp (FSBW) is larger, with a market capitalization of $346.72M compared with $281.67M for Franklin Financial Services (FRAF).
Which stock has performed better over the past year, FRAF or FSBW?
FRAF returned +37.58% over the past 12 months, compared with +13.95% for FSBW (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or FSBW?
FSBW has the lower trailing P/E at 10.2, versus 11.4 for FRAF. 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, Franklin Financial Services or FS Bancorp?
FS Bancorp has the higher yield at 2.59%, compared with 2.12% for Franklin Financial Services.
Are Franklin Financial Services and FS Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Franklin Financial Services and Banks for FS Bancorp.