Franklin Financial Services Corp. (FRAF)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 723646 · fiscal year ends in Dec
Closing price $71.13 on 30 Oct 2026; 52-week range $45.30 to $71.13.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $94.7M
- Revenue growth
- 22.3%
- Net income, last twelve months
- $24.6M
- Earnings per share
- $5.49
- Net margin
- 26.0%
- Return on equity
- 13.4%
- Market value
- $319.6M
- Price to earnings
- 13.0x
- Dividend yield
- 1.9%
- Cash
- $195.0M
- Debt
- $210.9M
- Debt to equity
- 1.15
- Shares outstanding
- 4.5M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $88.8M | – | $21.2M | $4.74 | $24.6M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $71.2M | – | $11.1M | $2.51 | $19.2M | 10-K filed 14 Mar 2025 |
| FY2023 | 31 Dec 2023 | $68.5M | – | $13.6M | $3.10 | $26.1M | 10-K filed 11 Mar 2024 |
| FY2022 | 31 Dec 2022 | $66.8M | – | $14.9M | $3.36 | $13.0M | 10-K filed 10 Mar 2023 |
| FY2021 | 31 Dec 2021 | $64.2M | – | $19.6M | $4.42 | $17.5M | 10-K filed 10 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $24.5M | $6.6M | $1.47 |
| Q1 FY2026 | 31 Mar 2026 | $23.9M | $6.6M | $1.48 |
| Q4 FY2025 | 31 Dec 2025 | $23.3M | $6.0M | $1.35 |
| Q3 FY2025 | 30 Sep 2025 | $23.0M | $5.4M | $1.19 |
| Q2 FY2025 | 30 Jun 2025 | $22.3M | $5.9M | $1.32 |
| Q1 FY2025 | 31 Mar 2025 | $20.2M | $3.9M | $0.88 |
| Q4 FY2024 | 31 Dec 2024 | $15.4M | $487.0K | $0.13 |
| Q3 FY2024 | 30 Sep 2024 | $19.5M | $4.2M | $0.95 |
Company events
The newest 8-K filings of 333 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 27 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 16 Oct 2026 | 8-K | Other events | 8.01, 9.01 |
| 18 Aug 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 24 Jul 2026 | 8-K/A | Investor update | 7.01, 9.01 |
| 24 Jul 2026 | 8-K | Investor update | 7.01, 9.01 |
| 24 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 17 Jul 2026 | 8-K | Other events | 8.01, 9.01 |
| 4 May 2026 | 8-K/A | Investor update | 7.01, 9.01 |
| 1 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 29 Apr 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 23 Apr 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 575 held.
| Filed | Form | Period |
|---|---|---|
| 27 Oct 2026 | 8-K | 27 Oct 2026 |
| 16 Oct 2026 | 8-K | 16 Oct 2026 |
| 18 Aug 2026 | 8-K | 18 Aug 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 24 Jul 2026 | 8-K/A | 24 Jul 2026 |
| 24 Jul 2026 | 8-K | 24 Jul 2026 |
| 24 Jul 2026 | 8-K | 24 Jul 2026 |
| 17 Jul 2026 | 8-K | 17 Jul 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 4 May 2026 | 8-K/A | 1 May 2026 |
| 1 May 2026 | 8-K | 1 May 2026 |
| 29 Apr 2026 | 8-K | 29 Apr 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 28 Sep 2026 | Snook Gregory I, Director | Took pay in stock | 103 | $62.65 | $6.5K | – | 28 Sep 2026 |
| 28 Sep 2026 | Kerlin Stanley J, Director | Took pay in stock | 125 | $62.65 | $7.8K | – | 28 Sep 2026 |
| 28 Sep 2026 | Fisher Daniel J, Director | Took pay in stock | 78 | $62.65 | $4.9K | – | 28 Sep 2026 |
| 28 Sep 2026 | Elliott G Warren, Director | Took pay in stock | 39 | $62.65 | $2.4K | – | 28 Sep 2026 |
| 28 Sep 2026 | Duffey Gregory A, Director | Took pay in stock | 51 | $62.65 | $3.2K | – | 28 Sep 2026 |
| 28 Sep 2026 | Craig Kevin W, Director | Took pay in stock | 172 | $62.65 | $10.8K | – | 28 Sep 2026 |
| 26 Aug 2026 | Duffey Gregory A, Director | Purchase | 16 | $62.08 | $993 | 24,028 | 27 Aug 2026 |
| 29 Jul 2026 | Duffey Gregory A, Director | Purchase | 16 | $64.08 | $1.0K | 23,911 | 30 Jul 2026 |
| 29 Jun 2026 | Snook Gregory I, Director | Took pay in stock | 102 | $63.21 | $6.4K | – | 29 Jun 2026 |
| 29 Jun 2026 | Kerlin Stanley J, Director | Took pay in stock | 124 | $63.21 | $7.8K | – | 29 Jun 2026 |
| 29 Jun 2026 | Fisher Daniel J, Director | Took pay in stock | 78 | $63.21 | $4.9K | – | 29 Jun 2026 |
| 29 Jun 2026 | Elliott G Warren, Director | Took pay in stock | 39 | $63.21 | $2.5K | – | 29 Jun 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 14 May 2026 | Butz Steven D, Officer | 1,400 | $78.1K | 18 May 2026 |
| 22 Dec 2025 | Rzomp Kimberly, Director | 1,500 | $80.9K | 22 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 13 Feb 2026 | Fourthstone LLC | 13G amended | 3.92% | 175.6K |
| 21 Jan 2026 | BlackRock, Inc. | 13G | 5.1% | 230.4K |
| 14 Nov 2025 | Fourthstone LLC | 13G amended | 7.41% | 331.6K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 256.8K | +5.67% | 6.53 |
| 30 Sep 2026 | 243.0K | +12.7% | 5.79 |
| 15 Sep 2026 | 215.6K | +20.29% | 5.2 |
| 31 Aug 2026 | 179.3K | +9.32% | 5.96 |
| 14 Aug 2026 | 164.0K | +10.82% | 5.43 |
| 31 Jul 2026 | 148.0K | +27.47% | 3.58 |
| 15 Jul 2026 | 116.1K | +13.81% | 2.61 |
| 30 Jun 2026 | 102.0K | +76.29% | 2.62 |
Funds that hold it
From each fund's latest Form 13F.
102 funds held it at 30 Jun 2026: 54 added and 19 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 292,503 | $18.3M | +27,031 |
| Vanguard Capital Management LLC | 186,382 | $11.7M | +2,967 |
| Geode Capital Management, LLC | 112,891 | $7.1M | +13,041 |
| American Century Companies Inc. | 86,341 | $5.4M | +37,518 |
| Arrowstreet Capital, Limited Partnership | 75,439 | $4.7M | 0 |
| State Street Corp. | 71,690 | $4.5M | -249 |
| Elizabeth Park Capital Advisors, Ltd. | 63,910 | $4.0M | 0 |
| Bridgeway Capital Management, LLC | 62,785 | $3.9M | +3,710 |
| Dimensional Fund Advisors LP | 49,398 | $3.1M | +7 |
| Logan Capital Management Inc. | 40,550 | $2.5M | – |
Peers
Companies in the same industry.
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- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B