Franklin Financial Services (FRAF) vs Hawthorn Bancshares (HWBK)
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 Hawthorn Bancshares (HWBK) over the past year, gaining 39.1% versus a gain of 28.5%. Over five years, FRAF leads with a +97.5% price change compared with +74.9% for HWBK. Franklin Financial Services is the larger company by market cap ($284.9 million vs $279.8 million), about 1.0 times the size.
On valuation, Hawthorn Bancshares trades at a lower trailing P/E (10.4x vs 11.6x for Franklin Financial Services). Hawthorn Bancshares offers the higher dividend yield (2.14% 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 | HWBK |
|---|---|---|
| Share price | $63.32 | $38.26 |
| Market cap | $284.91M | $279.83M |
| 1-day change | -0.22% | +0.34% |
| YTD return | +26.41% | +9.32% |
| 1-year return | +39.08% | +28.47% |
| 5-year return | +97.51% | +74.90% |
| P/E ratio (TTM) | 11.55 | 10.43 |
| Forward P/E | 9.61 | — |
| EPS (TTM) | $5.48 | $3.67 |
| Dividend yield | 2.10% | 2.14% |
| Annual dividend | $1.33 | $0.82 |
| 52-week high | $65.41 | $40.60 |
| 52-week low | $43.47 | $29.39 |
| Distance from 52-week high | -3.20% | -5.76% |
| Analyst consensus | none | — |
| Avg. price target upside | +7.39% | — |
| Average volume | 36.95K | 15.73K |
| Shares outstanding | 4.50M | 7.31M |
| Employees | — | 269 |
| 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.
Key differences
- FRAF has outperformed HWBK by 10.6 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 Hawthorn Bancshares
HWBK stock →Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses.
Finance · Major Banks · 269 employees
FRAF vs HWBK FAQ
Which is bigger, Franklin Financial Services or Hawthorn Bancshares?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $284.91M compared with $279.83M for Hawthorn Bancshares (HWBK).
Which stock has performed better over the past year, FRAF or HWBK?
FRAF returned +39.08% over the past 12 months, compared with +28.47% for HWBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or HWBK?
HWBK has the lower trailing P/E at 10.4, 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 Hawthorn Bancshares?
Hawthorn Bancshares has the higher yield at 2.14%, compared with 2.10% for Franklin Financial Services.
Are Franklin Financial Services and Hawthorn Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.