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Franklin Financial Services Corporation (FRAF) — RQD Stock Rating Cockpit

$70.31 +0.63% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $70.26

Franklin Financial Services Corporation (FRAF) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $316.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $70.25 (-0.08%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FRAF)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY FRAF SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 92% of 52W Range • RSI-14 at 82.9 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$62.60+0.2% Next Q

Q2 (-2Q)

Grade C+$62.75+1.4% Next Q

Q3 (-1Q)

Grade C+$63.63+10.5% Next Q

Current

Grade C+$70.31+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FRAF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, FRAF faces multiple-compression risk if 14.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($63.36) or 200D SMA ($58.14) invalidates the momentum regime and cuts Target Base ($73.47) toward Bear Floor ($57.31).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FRAF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FRAF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

82.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE92% OF RANGE

L: $45$70.31H: $72

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FRAF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

12.1% ROIC with 42.0% gross margin and 8.04% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

27/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like FRAF

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FRAF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FRAF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +24.77%▲ RESISTANCE BREAKOUT

2026-10-30O $70.70H $72.36L $69.99C $70.31VOL 116.2K

RES: $68.46SUP: $60.84SMA50: $63.36SMA200: $58.14

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FRAF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FRAF Butterfly Map → + Track FRAF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FRAF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FRAF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FRAF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FRAF)

Financials Rank #232 of 1096 ⚔️ NEWT vs FRAF Full Matrix →

1. Head-to-Head Financials Peer Comparison (FRAF vs. NEWT, FCCO, FVCB, MYFW)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Franklin Financial Services Corporation (FRAF) ranks #232 by composite RQD confidence (68/100, grade C+) and #799 by equity capitalization ($316.5M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. FVCB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FRAF at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FRAF ACTIVE Franklin Financial Services Corporation	C+	68/100	14.9x	—	12.1%	+0.63%	$316.5M	Benchmark Subject
NEWT NewtekOne Inc.	D	47/100	5.3x	—	15.2%	-3.93%	$318.0M	/newt-vs-fraf →
FCCO First Community Corporation	B-	70/100	16.4x	—	11.5%	+1.06%	$314.9M	/fcco-vs-fraf →
FVCB FVCBankcorp Inc.	B-	71/100	13.9x	—	8.7%	-0.41%	$307.3M	/fvcb-vs-fraf →
MYFW First Western Financial Inc.	D-	37/100	23.3x	—	5.0%	-0.22%	$307.2M	/myfw-vs-fraf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000723646

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Franklin Financial Services Corporation (FRAF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $21.2M, operating cash flow of $25.4M, and free cash flow of $25.4M (+16.9% YoY). On the balance sheet, FRAF closed FY2025 with $2.24B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$21.2M	$25.4M	$25.4M	$2.24B	—
FY2024 (FY)	2024-12-31	$0	$11.1M	$21.8M	$21.8M	$2.20B	—
FY2023 (FY)	2023-12-31	$0	$13.6M	$26.6M	$26.6M	—	—

3. FRAF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FRAF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Franklin Financial Services Corporation (NASDAQ: FRAF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $70.31 (+0.63% 1D, market cap $316.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FRAF ranks #232 in composite RQD confidence.

How does FRAF compare to NEWT and FCCO in the Financials sector?

Within the Financials sector (Major Banks), FRAF carries a Roarable C+ (68/100 RQD), trailing P/E of 14.9x, gross margin of —, and ROIC of 12.1%. By comparison, NEWT (NewtekOne Inc.) holds a D grade (47/100 RQD, P/E 5.3x, ROIC 15.2%, cap $318.0M) and FCCO (First Community Corporation) posts a B- grade (70/100 RQD, P/E 16.4x, ROIC 11.5%, cap $314.9M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FRAF?

Per FRAF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000723646), Franklin Financial Services Corporation generated $0 in revenue, $21.2M in net income, and $25.4M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FRAF trading relative to its 50-day, 200-day, and 52-week technical levels?

FRAF last traded at $70.31 (+0.63% on volume of 150,771 shares), positioning the stock +10.97% above its 50-day simple moving average ($63.36) and +20.93% above its 200-day simple moving average ($58.14). Across its 52-week range of $45.03 to $72.36, FRAF sits at the 92.5% percentile with a 14-day RSI of 82.9 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.4% ($66.51 to $74.11).

FRAF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FRAF stock right now?

Franklin Financial Services Corporation (FRAF) currently earns a Roarable Rating of C+ (Hold — HOLD) with 68/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.

What is FRAF's 12-month price target and RQD AI Jury consensus?

FRAF's 12-month base price target is $73.47 (range $57.31 to $86.69), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FRAF RQD Cockpit FRAF 12M Forecast FRAF Earnings & Move FRAF Dividends & DRIP FRAF Insiders & 13F FRAF Whale Options FRAF Profit Sankey FRAF News & Why