Franklin Financial Services (FRAF) vs LCNB (LCNB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Franklin Financial Services (FRAF) has outperformed LCNB (LCNB) over the past year, gaining 37.6% versus a gain of 23.8%. Over five years, FRAF leads with a +94.8% price change compared with +6.4% for LCNB. Franklin Financial Services is the larger company by market cap ($281.7 million vs $264.0 million), about 1.1 times the size.
On valuation, Franklin Financial Services trades at a lower forward P/E (9.5x vs 10.0x for LCNB). LCNB offers the higher dividend yield (4.75% 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 | LCNB |
|---|---|---|
| Share price | $62.60 | $18.52 |
| Market cap | $281.67M | $264.00M |
| 1-day change | -1.14% | -2.22% |
| YTD return | +24.70% | +13.00% |
| 1-year return | +37.58% | +23.80% |
| 5-year return | +94.83% | +6.38% |
| P/E ratio (TTM) | 11.55 | 10.96 |
| Forward P/E | 9.50 | 10.01 |
| EPS (TTM) | $5.42 | $1.69 |
| Dividend yield | 2.12% | 4.75% |
| Annual dividend | $1.33 | $0.88 |
| 52-week high | $65.41 | $21.32 |
| 52-week low | $43.47 | $14.31 |
| Distance from 52-week high | -4.30% | -13.13% |
| Analyst consensus | none | none |
| Avg. price target upside | +8.63% | +14.74% |
| Average volume | 37.12K | 38.84K |
| Shares outstanding | 4.50M | 14.25M |
| Employees | — | 328 |
| 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 LCNB by 13.8 percentage points over the past year.
- LCNB offers a meaningfully higher dividend yield (4.75% vs 2.12%).
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 LCNB
LCNB stock →LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States.
Finance · Major Banks · 328 employees
FRAF vs LCNB FAQ
Which is bigger, Franklin Financial Services or LCNB?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $281.67M compared with $264.00M for LCNB (LCNB).
Which stock has performed better over the past year, FRAF or LCNB?
FRAF returned +37.58% over the past 12 months, compared with +23.80% for LCNB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or LCNB?
LCNB has the lower trailing P/E at 11.0, versus 11.5 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 LCNB?
LCNB has the higher yield at 4.75%, compared with 2.12% for Franklin Financial Services.
Are Franklin Financial Services and LCNB in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.