FRAF
Franklin Financial Services CorporationFinancial Services·Banks - Regional
$58.13
$261M market cap
Revenue
$66.9M
Free Cash Flow
$27.2M
Rev Growth
+0.0%
FCF Margin
40.6%
P/FCF
9.6x
EV/FCF
16.6x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to small and medium-sized businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate
2-Year Price History
$58.29+136.1%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 33.1 | 8.3 | 8.3 | 6.6 | 24.1 | 24.0 | -0.1 | 24.0 | 215.2 | 4.5 | 9.7% | 0.9x | -- |
| Act | 2025-Q4 | 33.7 | 8.0 | 7.5 | 6.0 | 3.2 | 3.2 | -0.0 | 229.8 | 214.7 | 4.5 | 8.9% | 0.8x | -- |
Valuation & Metrics
Market Stats
Price$58.13
Market Cap$261M
Enterprise Value$452M
P/S Ratio3.9x
P/FCF9.6x
EV/FCF16.6x
FCF Margin (TTM)40.6%
FCF Yield10.4%
Dividend Yield (TTM)2.9%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$66.9M
Net Income$12.7M
Free Cash Flow$27.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin24.4%
Net Margin19.0%
FCF Margin40.6%
CapEx % of Revenue0.2%
SBC % of Revenue0.2%
ROIC9.3%
WC Change % Rev0.0%
Interest Coverage0.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.7
Change (vs Prior)-11.2%
Need at least 2 settlement dates for chart
Employees
Headcount306
Revenue / Employee$218,529
Gross Profit / Employee$152,559
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
14.9%(+3.1% YoY)
73 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
14.9%(+10.2% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.1%(-1.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $13.6M | $36.26 | +$1.3M | +$12.1M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $9.4M | $50.77 | +$9.3M | +$9.4M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.1M | $33.01 | +$148K | +$2.7M | +2.3% | $1.61T |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3.9M | $43.41 | +$1.5M | +$2.8M | +0.1% | $184.72B |
| STATE STREET CORPPassive | $3.7M | $40.38 | +$115K | +$3.0M | -0.2% | $2.89T |
| Elizabeth Park Capital Advisors, Ltd. | $3.3M | $50.77 | +$3.2M | +$3.3M | -1.0% | $130M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.0M | $28.59 | −$537K | −$260K | -2.3% | $4.93B |
| GOLDMAN SACHS GROUP INC | $2.6M | $49.65 | +$627K | +$1.8M | -0.2% | $760.93B |
| DIMENSIONAL FUND ADVISORS LPPassive | $2.5M | $28.09 | +$0 | −$44K | -0.4% | $480.92B |
| AMERICAN CENTURY COMPANIES INC | $2.5M | $44.85 | +$343K | +$1.5M | +0.7% | $193.48B |
| MARSHALL WACE, LLP | $2.2M | $35.77 | +$305K | +$1.7M | +0.6% | $92.71B |
| MILLENNIUM MANAGEMENT LLC | $2.1M | $40.34 | +$1.4M | −$687K | -0.5% | $127.40B |
| NORTHERN TRUST CORPPassive | $1.5M | $34.91 | +$70K | +$1.1M | -0.2% | $755.34B |
| Nuveen, LLC | $1.4M | $48.96 | +$915K | +$1.4M | +0.0% | $368.63B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.4M | $50.77 | +$1.4M | +$1.4M | — | $395.83B |
| Empowered Funds, LLC | $1.2M | $27.02 | −$537K | −$465K | +0.2% | $15.64B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.2M | $50.77 | +$1.2M | +$1.2M | — | $1.91T |
| RENAISSANCE TECHNOLOGIES LLC | $1.2M | $38.16 | −$234K | +$684K | +1.2% | $63.91B |
| CITADEL ADVISORS LLC | $1.1M | $41.87 | −$367K | +$498K | -0.4% | $138.22B |
| SummerHaven Investment Management, LLC | $1.0M | $45.08 | −$107K | +$1.0M | -0.6% | $162M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.22%
avg per quarter
Holders (ex-self)
-0.22%
excl. this stock
Buyers (this Q)
-0.36%
44 buyers · $0.03B in
Sellers (this Q)
-0.27%
25 sellers · $0.00B out
alpha coverage: 84% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+1.1%
how holders react when this stock falls
On quiet Qs
-2.8%
−10% to +10% baseline
On rallies (+10%+)
+19.9%
how they react when this stock rises
Holders' portfolio flow this Q
+3.2%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.7%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-7.3%
Holder mid (any stock)
-4.5%
Holder rally (any stock)
-6.4%
Biggest decreases this quarter
Fourthstone LLCexited−$8.8MInformed Momentum Co LLCexited−$1.2MSEI INVESTMENTS COexited−$749KJANE STREET GROUP, LLCexited−$551KBRIDGEWAY CAPITAL MANAGEMENT, LLC−$537Kα-2.3Empowered Funds, LLC−$537Kα+0.2HRT FINANCIAL LPexited−$404KCITADEL ADVISORS LLC−$367Kα-0.4SUSQUEHANNA INTERNATIONAL GROUP, LLPexited−$301KRENAISSANCE TECHNOLOGIES LLC−$234Kα+1.2
New buyers this quarter
Top-5 holders · 46.2%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
GEODE CAPITAL MANAGEMENT, LLC--
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP--
STATE STREET CORP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Fourthstone LLC—ARROWSTREET CAPITAL, LIMITED PARTNERSHIP75KBRIDGEWAY CAPITAL MANAGEMENT, LLC59KElizabeth Park Capital Advisors, Ltd.64KBANC FUNDS CO LLC—GOLDMAN SACHS GROUP INC51KAMERICAN CENTURY COMPANIES INC49KMARSHALL WACE, LLP43KMILLENNIUM MANAGEMENT LLC42KLOGAN CAPITAL MANAGEMENT INC—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$130K
9 txns · 4 insiders · 2,709 sh
Sells ($, 12mo)
$175K
5 txns · 5 insiders · 3,526 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-04-29 | BUY | Duffey Gregory A | director | 18 | $55.35 | $996 | $1.31M |
| 2026-03-09 | BUY | Snook Gregory I | director | 2,200 | $48.18 | $106K | $447K |
| 2026-02-25 | BUY | Duffey Gregory A | director | 19 | $52.33 | $994 | $1.22M |
| 2026-02-05 | BUY | Carroll Charles Benner Jr | officer: COO | 380 | $46.93 | $18K | $189K |
| 2025-12-22 | SELL | Rzomp Kimberly | director | 1,500 | $54.07 | $81K | $316K |
| 2025-11-26 | BUY | Duffey Gregory A | director | 19 | $53.91 | $1K | $1.28M |
| 2025-08-28 | SELL | Carroll Charles Benner Jr | officer: EVP, COO | 650 | $46.55 | $30K | $163K |
| 2025-08-27 | BUY | Duffey Gregory A | director | 21 | $46.55 | $978 | $1.10M |
| 2025-08-27 | SELL | Ehrig Scott D | officer: SVP, Chief Wealth Officer | 1,060 | $46.83 | $50K | $91K |
| 2025-08-27 | SELL | Hollar Mark R | officer: EVP/CFO | 179 | $46.75 | $8K | $748K |
| 2025-08-25 | SELL | Long David M | officer: SVP, Chief Technology Officer | 137 | $44.30 | $6K | $52K |
| 2025-07-30 | BUY | Duffey Gregory A | director | 25 | $40.48 | $1K | $949K |
| 2025-05-28 | BUY | Carmack Karen K | officer: SVP, Chief HR Officer | 1 | $38.60 | $39 | $151K |
| 2025-05-28 | BUY | Duffey Gregory A | director | 26 | $38.60 | $1K | $946K |
Order Flow (FINRA, ~3w lag)
7.8%retail-3.0pp
14.7%dark-6.3pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Franklin Financial Services Corp: Administrative Header Lacks Substantive Disclosures for Forensic Evaluation
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10