Franklin Financial Services (FRAF) vs First United (FUNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Franklin Financial Services (FRAF) has outperformed First United (FUNC) over the past year, gaining 39.1% versus a gain of 18.9%. Over five years, FUNC leads with a +138.4% price change compared with +97.5% for FRAF. Franklin Financial Services is the larger company by market cap ($285.5 million vs $280.4 million), about 1.0 times the size.
On valuation, First United trades at a lower forward P/E (9.0x vs 9.6x for Franklin Financial Services). First United offers the higher dividend yield (2.39% vs 2.10%).
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 | FUNC |
|---|---|---|
| Share price | $63.46 | $43.44 |
| Market cap | $285.54M | $280.35M |
| 1-day change | -0.14% | -0.46% |
| YTD return | +26.41% | +16.03% |
| 1-year return | +39.08% | +18.88% |
| 5-year return | +97.51% | +138.42% |
| P/E ratio (TTM) | 11.58 | 11.25 |
| Forward P/E | 9.63 | 9.05 |
| EPS (TTM) | $5.48 | $3.86 |
| Dividend yield | 2.10% | 2.39% |
| Annual dividend | $1.33 | $1.04 |
| 52-week high | $65.41 | $46.30 |
| 52-week low | $43.47 | $33.54 |
| Distance from 52-week high | -2.98% | -6.18% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.15% | +15.10% |
| Average volume | 36.78K | 24.59K |
| Shares outstanding | 4.50M | 6.45M |
| Employees | — | 315 |
| 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 FUNC by 20.2 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.
Financial Services · Banks - Regional
About First United
FUNC stock →First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals in the United States. It operates through Community Banking and Wealth Management segments.
Financial Services · Banks - Regional · 315 employees
FRAF vs FUNC FAQ
Which is bigger, Franklin Financial Services or First United?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $285.54M compared with $280.35M for First United (FUNC).
Which stock has performed better over the past year, FRAF or FUNC?
FRAF returned +39.08% over the past 12 months, compared with +18.88% for FUNC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or FUNC?
FUNC has the lower trailing P/E at 11.3, versus 11.6 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 First United?
First United has the higher yield at 2.39%, compared with 2.10% for Franklin Financial Services.
Are Franklin Financial Services and First United in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.