Franklin Financial Services (FRAF) vs First National (FXNC)
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 National (FXNC) over the past year, gaining 38.9% versus a gain of 33.4%. Over five years, FRAF leads with a +97.1% price change compared with +32.2% for FXNC. Franklin Financial Services is the larger company by market cap ($284.9 million vs $271.0 million), about 1.1 times the size.
On valuation, Franklin Financial Services trades at a lower forward P/E (9.6x vs 11.6x for First National). First National offers the higher dividend yield (2.22% 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 | FXNC |
|---|---|---|
| Share price | $63.32 | $29.97 |
| Market cap | $284.91M | $271.01M |
| 1-day change | -0.22% | +1.49% |
| YTD return | +26.14% | +18.74% |
| 1-year return | +38.92% | +33.44% |
| 5-year return | +97.07% | +32.20% |
| P/E ratio (TTM) | 11.55 | 12.49 |
| Forward P/E | 9.61 | 11.65 |
| EPS (TTM) | $5.48 | $2.40 |
| Dividend yield | 2.10% | 2.22% |
| Annual dividend | $1.33 | $0.665 |
| 52-week high | $65.41 | $33.24 |
| 52-week low | $43.47 | $21.59 |
| Distance from 52-week high | -3.20% | -9.84% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.39% | +8.44% |
| Average volume | 37.03K | 30.50K |
| Shares outstanding | 4.50M | 9.04M |
| Employees | — | 308 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major 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.
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 First National
FXNC stock →First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions.
Finance · Major Banks · 308 employees
FRAF vs FXNC FAQ
Which is bigger, Franklin Financial Services or First National?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $284.91M compared with $271.01M for First National (FXNC).
Which stock has performed better over the past year, FRAF or FXNC?
FRAF returned +38.92% over the past 12 months, compared with +33.44% for FXNC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or FXNC?
FRAF has the lower trailing P/E at 11.6, versus 12.5 for FXNC. 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 National?
First National has the higher yield at 2.22%, compared with 2.10% for Franklin Financial Services.
Are Franklin Financial Services and First National in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.