Franklin Financial Services (FRAF) vs National Bankshares (NKSH)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
National Bankshares (NKSH) has outperformed Franklin Financial Services (FRAF) over the past year, gaining 47.6% versus a gain of 39.1%. Over five years, FRAF leads with a +97.5% price change compared with +18.7% for NKSH. Franklin Financial Services is the larger company by market cap ($285.5 million vs $272.7 million), about 1.0 times the size.
On valuation, Franklin Financial Services trades at a lower forward P/E (9.6x vs 11.1x for National Bankshares). National Bankshares offers the higher dividend yield (3.57% 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 | NKSH |
|---|---|---|
| Share price | $63.46 | $42.80 |
| Market cap | $285.54M | $272.66M |
| 1-day change | -0.14% | -0.88% |
| YTD return | +26.41% | +27.65% |
| 1-year return | +39.08% | +47.59% |
| 5-year return | +97.51% | +18.72% |
| P/E ratio (TTM) | 11.58 | 13.54 |
| Forward P/E | 9.63 | 11.09 |
| EPS (TTM) | $5.48 | $3.16 |
| Dividend yield | 2.10% | 3.57% |
| Annual dividend | $1.33 | $1.53 |
| 52-week high | $65.41 | $43.57 |
| 52-week low | $43.47 | $27.00 |
| Distance from 52-week high | -2.98% | -1.77% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.15% | +9.23% |
| Average volume | 36.78K | 36.55K |
| Shares outstanding | 4.50M | 6.37M |
| Employees | — | 245 |
| 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
- National Bankshares offers a meaningfully higher dividend yield (3.57% vs 2.10%).
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 National Bankshares
NKSH stock →National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments.
Financial Services · Banks - Regional · 245 employees
FRAF vs NKSH FAQ
Which is bigger, Franklin Financial Services or National Bankshares?
Franklin Financial Services (FRAF) is larger, with a market capitalization of $285.54M compared with $272.66M for National Bankshares (NKSH).
Which stock has performed better over the past year, FRAF or NKSH?
NKSH returned +47.59% over the past 12 months, compared with +39.08% for FRAF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or NKSH?
FRAF has the lower trailing P/E at 11.6, versus 13.5 for NKSH. 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 National Bankshares?
National Bankshares has the higher yield at 3.57%, compared with 2.10% for Franklin Financial Services.
Are Franklin Financial Services and National Bankshares in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.