Franklin Financial Services (FRAF) vs Norwood Financial (NWFL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Franklin Financial Services (FRAF) has outperformed Norwood Financial (NWFL) over the past year, gaining 37.6% versus a gain of 33.3%. Over five years, FRAF leads with a +94.8% price change compared with +30.8% for NWFL. Norwood Financial is the larger company by market cap ($365.5 million vs $281.7 million), about 1.3 times the size.
On valuation, Norwood Financial trades at a lower forward P/E (8.7x vs 9.5x for Franklin Financial Services). Norwood Financial offers the higher dividend yield (3.79% 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 | NWFL |
|---|---|---|
| Share price | $62.60 | $33.53 |
| Market cap | $281.67M | $365.55M |
| 1-day change | -1.14% | -1.00% |
| YTD return | +24.70% | +19.54% |
| 1-year return | +37.58% | +33.27% |
| 5-year return | +94.83% | +30.82% |
| P/E ratio (TTM) | 11.42 | 11.60 |
| Forward P/E | 9.50 | 8.65 |
| EPS (TTM) | $5.48 | $2.89 |
| Dividend yield | 2.12% | 3.79% |
| Annual dividend | $1.33 | $1.27 |
| 52-week high | $65.41 | $35.48 |
| 52-week low | $43.47 | $23.82 |
| Distance from 52-week high | -4.30% | -5.50% |
| Analyst consensus | none | none |
| Avg. price target upside | +8.63% | +8.86% |
| Average volume | 36.95K | 34.73K |
| Shares outstanding | 4.50M | 10.90M |
| Employees | — | 275 |
| 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
- Norwood Financial offers a meaningfully higher dividend yield (3.79% 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 Norwood Financial
NWFL stock →Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.
Finance · Major Banks · 275 employees
FRAF vs NWFL FAQ
Which is bigger, Franklin Financial Services or Norwood Financial?
Norwood Financial (NWFL) is larger, with a market capitalization of $365.55M compared with $281.67M for Franklin Financial Services (FRAF).
Which stock has performed better over the past year, FRAF or NWFL?
FRAF returned +37.58% over the past 12 months, compared with +33.27% for NWFL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or NWFL?
FRAF has the lower trailing P/E at 11.4, versus 11.6 for NWFL. 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 Norwood Financial?
Norwood Financial has the higher yield at 3.79%, compared with 2.12% for Franklin Financial Services.
Are Franklin Financial Services and Norwood Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.