Franklin Financial Services Corp (FRAF)
At September 30, 2026 it held $183.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Franklin Financial Services Corp
- Net worth
- Franklin Financial Services Corp has a market value (market cap) of $309.1M at the latest share price, and shareholders' equity of $177.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $25.4M of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Franklin Financial Services Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Franklin Financial Services Corp declared dividends of $1.31 per share in fiscal 2025, a yield of 1.91% at the current price.
What Franklin Financial Services Corp does
Franklin Financial Services Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker FRAF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $21.2M | $4.74 | n/a |
| 2024 | n/a | $11.1M | $2.51 | n/a |
| 2023 | n/a | $13.6M | $3.10 | n/a |
| 2022 | n/a | $14.9M | $3.36 | n/a |
| 2021 | n/a | $19.6M | $4.42 | n/a |
| 2020 | n/a | $12.8M | $2.93 | n/a |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Franklin Financial Services Corp declared $1.31 per share in fiscal 2025. At the current price that is a yield of 1.91%. It paid out $5.8M in cash dividends, 28% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.31 | $5.8M | 28% |
| 2024 | $1.28 | $5.6M | 51% |
| 2023 | $1.28 | $5.6M | 41% |
| 2022 | $1.28 | $5.7M | 38% |
| 2021 | $1.25 | $5.5M | 28% |
| 2020 | $1.20 | $5.2M | 41% |
Latest SEC filings
What Franklin Financial Services Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 2.2% to $35.2M versus the same quarter last year; diluted EPS $1.89 versus $1.19.
- November 2, 2026
- October 27, 2026
- October 16, 2026Other event 8-K
- August 18, 2026
- August 10, 2026
- July 24, 2026Investor disclosure 8-K/A
- July 24, 2026
- July 24, 2026
- July 17, 2026Other event 8-K
Insider trades
What the people running Franklin Financial Services Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $993.3 worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 28, 2026 | Elliott G WarrenDirector | Received as pay | 39 | $2.4K |
| September 28, 2026 | Kerlin Stanley JDirector | Received as pay | 125 | $7.8K |
| September 28, 2026 | Fisher Daniel JDirector | Received as pay | 78 | $4.9K |
| September 28, 2026 | Duffey Gregory ADirector | Received as pay | 51 | $3.2K |
| September 28, 2026 | Craig Kevin WDirector | Received as pay | 172 | $10.8K |
| September 28, 2026 | Snook Gregory IDirector | Received as pay | 103 | $6.5K |
| August 26, 2026 | Duffey Gregory ADirector | Bought | 16 | $993.3 |
| July 31, 2026 | Weaver Matthew DSVP, Chief Marketing Officer | Exercised options | 2,250 | $67.5K |
Who owns FRAF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 99 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 292,503 | +27,031 |
| Vanguard Capital Management LLC | 186,382 | +2,967 |
| Geode Capital Management, LLC | 112,891 | +13,041 |
| American Century Companies Inc | 86,341 | +37,518 |
| Arrowstreet Capital, Limited Partnership | 75,439 | 0 |
| State Street Corp | 71,690 | -249 |
| Elizabeth Park Capital Advisors, Ltd. | 63,910 | 0 |
| Bridgeway Capital Management, LLC | 62,785 | +3,710 |
| Dimensional Fund Advisors LP | 49,398 | +7 |
| Logan Capital Management Inc | 40,550 | new |
| Marshall Wace, Llp | 36,673 | -6,318 |
| Goldman Sachs Group Inc | 35,032 | -15,809 |
| Northern Trust Corp | 33,695 | +3,516 |
| Vanguard Portfolio Management LLC | 28,955 | +4,765 |
| Nuveen, LLC | 27,579 | 0 |
| Vanguard Fiduciary Trust Co | 26,938 | +347 |
| Sageworth Trust Co | 26,900 | new |
| Empowered Funds, LLC | 26,190 | +1,815 |
| SummerHaven Investment Management, LLC | 19,624 | 0 |
| Integrated Quantitative Investments LLC | 19,180 | new |
Insiders
18 insiders reported holding 269,780 shares in total, about $18.5M at the last price.
| Holder | Shares |
|---|---|
| Mowery Donald HDirector | 45,068 |
| Fisher Daniel JDirector | 30,396 |
| Craig Kevin WDirector | 27,939 |
| Kerlin Stanley JDirector | 27,451 |
| Duffey Gregory ADirector | 24,079 |
| Elliott G WarrenDirector | 18,286 |
| Best Craig WCEO | 17,559 |
| Hollar Mark RSEVP/CFO | 17,296 |
| Brown Martin RDirector | 9,695 |
| Snook Gregory IDirector | 9,657 |
Questions about FRAF
What does Franklin Financial Services Corp do?
Franklin Financial Services Corp is a company in the Finance sector, listed on NASDAQ as FRAF. Its shares trade on NASDAQ under the ticker FRAF.
What is Franklin Financial Services Corp's net worth?
Franklin Financial Services Corp has a market value (market cap) of $309.1M at the latest share price, and shareholders' equity of $177.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Franklin Financial Services Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $27.8M.
When did Franklin Financial Services Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Franklin Financial Services Corp's next earnings report?
Franklin Financial Services Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Franklin Financial Services Corp pay a dividend?
Yes. Franklin Financial Services Corp declared dividends of $1.31 per share in fiscal 2025, a yield of 1.91% at the current price.
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Where the numbers come from
Financial figures are the values Franklin Financial Services Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.