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Franklin Financial Services Corp

corporate_fare Company Profile

Franklin Financial Services Corp

FRAF·NASDAQ·Finance·CIK 0000723646

Franklin Financial Services Corporation operates primarily through its wholly owned banking subsidiary, F&M Trust. F&M Trust, established in 1906, is a full-service commercial bank and trust company chartered in Pennsylvania. It is not a member of the Federal Reserve System. The bank conducts general commercial and retail banking services typical of community banks. Its deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to legal limits. F&M Trust provides a variety of banking services to businesses, individuals, and governmental entities. The bank operates twenty-three community banking offices across five counties in Pennsylvania: Franklin, Cumberland, Dauphin, Fulton, and Huntingdon. It also has a presence in Washington County, Maryland. The Corporation's common stock is listed on the Nasdaq Capital Market under the symbol "FRAF".

Franklin Financial Services Corp (NASDAQ:FRAF) is a publicly traded company in the Finance sector. Wiseek has independently scored 9 items for FRAF at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-08-10, rated 8/10. Across its 9 most recent items scored 7 or higher, the top rating is 8/10, with 6 rated 8 or above. Recent SEC coverage for FRAF spans 10-Q, 8-K, 10-K.

Recent high-impact activity:

  • Franklin Financial Q2 earnings climb 12%, but nonperforming loans double on two large CRE credits
  • Franklin Financial Q2 Profit Jumps 12% on Higher Interest Income
  • Franklin Financial Q2: Net Income Climbs 12%, but Nonperforming Loans Double
  • Franklin Financial Reports 69% Net Income Growth in Q1, Raises Quarterly Dividend
  • Franklin Financial Services Promotes Charles Carroll to President & COO, Appoints to Board

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$88.82M
Net Income
$21.23M
Diluted EPS
$4.74
Op. Cash Flow
$25.44M
Cash & Equivalents
$127.72M
Debt / Equity
0.00×
Net Margin
23.9%
Shares Outstanding
4.48M sh
Source: 10-K · filed 2026-03-13 · accession 0000723646-26-000016

Short Interest & Short Volume

5.20 days to cover

FINRA reported short interest of 215,646 shares in FRAF as of the September 15, 2026 settlement, a 20.3% increase from the prior period — about 5.2 days to cover at its recent average daily volume. On October 2, 2026, 69.9% of FRAF volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)215,646 shares as of September 15, 2026
Change vs prior period▲ 20.3%
Days to cover5.20 at avg daily volume of 41,481
Daily short volume (FINRA facilities)69.9% of 5,089 shares on October 2, 2026
5-day average short volume72.2%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

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$62.65 -0.51% today
52-week range · as of 2026-08-10 $39.25 – $64.88
Market cap
$284.19M
Volume
29K (0.8× avg)
3-mo avg 38.3K
Live data · 2026-10-03 18:36 UTC · Market closed

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feed FRAF - Latest Insights

FRAF
Aug 10, 2026, 4:07 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $62.15
Real-time Price: $62.65 info
Change: +$0.500 (+0.80%) info
Market Cap: $284.194M info
FRAF
Jul 24, 2026, 9:09 AM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $62.31
Real-time Price: $62.65 info
Change: +$0.340 (+0.55%) info
Market Cap: $284.194M info
FRAF
Jul 24, 2026, 7:45 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $62.81
Real-time Price: $62.65 info
Change: -$0.160 (-0.25%) info
Market Cap: $284.194M info
FRAF
May 11, 2026, 4:11 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $55.96
Real-time Price: $62.65 info
Change: +$6.69 (+12%) info
Market Cap: $284.194M info
FRAF
Apr 23, 2026, 4:16 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $56.26
Real-time Price: $62.65 info
Change: +$6.39 (+11%) info
Market Cap: $284.194M info
FRAF
Apr 23, 2026, 4:05 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $56.26
Real-time Price: $62.65 info
Change: +$6.39 (+11%) info
Market Cap: $284.194M info
FRAF
Mar 13, 2026, 4:52 PM EDT
Filing Type: 10-K
Importance Score:
8
Price at Filing: $49.07
Real-time Price: $62.65 info
Change: +$13.59 (+28%) info
Market Cap: $284.194M info
FRAF
Jan 27, 2026, 4:04 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $48.36
Real-time Price: $62.65 info
Change: +$14.29 (+30%) info
Market Cap: $284.194M info
FRAF
Jan 20, 2026, 4:11 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $50.73
Real-time Price: $62.65 info
Change: +$11.92 (+23%) info
Market Cap: $284.194M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets