FRAF · Franklin Financial Services Corp /Pa/
$62.10
+0.25 (+0.40%)
At close · Aug 20
Market Cap
$278.30M
Shares
4.50M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$62.10
Open$61.78
Day$61.00–62.15
52W close$42.51–64.17
Avg vol 30d36K
Short int148K · 3.3% float · 3.6d
Short vol92%
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+13%
above
Price vs 50-day avg
−1%
below
RSI (14)
46
neutral
MACD trend
Negative
52-week position
90%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+21%
trailing
YTD return
+24%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $63 › 200d $55 — 50d above 200d
Institutional flow
Accumulating
+14% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$78.8K over 90 days · 50% sells
Short interest
Rising
3.29% of float · ▲ +27.5% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
98 holders — near 3-yr high, broad support
Squeeze score
66
elevated · 0–100
Fundamentals
EPS growth
+89%
Y/Y
Free cash flow
$24.9M
Valuation
P/E 11.3
below peers
Balance sheet
$108.1M
net cash
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+13%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
46
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $63 › 200d $55 — 50d above 200d
Institutional flow
Accumulating
+14% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$78.8K over 90 days · 50% sells
Short interest
Rising
3.29% of float · ▲ +27.5% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
98 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $43
Now $62 · 90%
Range high $64
vs 200-day avg +13%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit loss to loans ratio | 1.36% | As of June 30, 2026 | — |
| Assets under management | $1.5B | Q2 2026 | — |
| Assets Under Management as of (fair value) — Held at third party brokers | $154.83M | 6/30/2026 | — |
| Assets Under Management as of (fair value) — Wealth Management | $1.33B | 6/30/2026 | — |
| Average interest-earning assets | $2.2B | Six months ended June 30, 2026 | — |
| Cost of total deposits | 1.51% | First six months of 2026 | — |
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| CRE non-owner occupied concentration ratio | 348.2% | As of June 30, 2026 | — |
| Efficiency ratio non-GAAP | 59.07% | For the Three Months Ended 6/30/2026 | — |
| Net Interest Margin (NIM) | 3.52% | Six months ended June 30, 2026 | — |
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| Nonperforming loans | $17.7M | As of June 30, 2026 | — |
| Return on Average Assets (ROA) | 1.17% | Six months ended June 30, 2026 | — |
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| Return on Average Equity (ROE) | 14.96% | Six months ended June 30, 2026 | — |
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| Tangible book value per share non-GAAP | $38.9 | As of June 30, 2026 | — |
| Total assets under management | $1.48B | 6/30/2026 | — |
| Wealth Management Fees | $4.9M | Six months ended June 30, 2026 | — |
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| Yield on earning assets | 5.25% | Six months ended June 30, 2026 | — |
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| Average total deposits | $1.83B | first quarter of 2026 | — |
| Net loans | $1.54B | as of December 31, 2025 | — |
| Nonaccrual loans | $8.5M | as of December 31, 2025 | — |
| Nonaccrual loans as a percentage of total gross loans | 0.55% | as of December 31, 2025 | — |
| Total deposits | $1.84B | as of December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FRAF
this stock
Franklin Financial Services Corp /Pa/
|
$278.30M | +23.7% | — | 11.3 | 3.3% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FRAF | -3.2% | -1.1% | +20.6% | -1.7% | +23.7% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.3% | -4.4% | +9.5% | -3.8% | +11.9% |
Capital returns
Latest dividend
$0.34
/ share · ex Aug 7, 2026
Paid (TTM)
$1.34
/ share · 4 payouts
Dividend yield (TTM, derived)
2.16%
Buyback program
· as of Dec 31, 2025
Authorized
shares 150,000
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.