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FRAF

Franklin Financial Services Corp /Pa/
$60.98 -0.74 (-1.20%) At close · Jul 8
Market Cap
$273.99M
Shares
4,493,032

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$60.98 Open$61.28 Day$60.41–62.41 52W$36.19–64.88 Avg vol 30d31K Short int58K · 1.3% float · 2.7d Short vol47% Last earningsApr 23, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 11
Equibles Rating blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Moderate
Market backdrop VIX 16.9 · calm Equity put/call 0.86
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +16%
above
Price vs 50-day avg +3%
above
RSI (14) 50
neutral
MACD trend Negative
52-week position 86%
near high
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Strong
1-month return +3%
trailing
6-month return +20%
trailing
YTD return +22%
this year
Relative strength +13%
vs S&P · 6-mo
Sentiment
smart money
Bearish
Trend (MA cross) No cross
50d $59 › 200d $53 — 50d above 200d
Institutional flow Distributing
3 of 85 funds reported for Jun 30 · net -280 sh shares
Insider flow Distributing
Net -$78.8K over 90 days · 50% sells
Short interest Rising
1.29% of float · ▲ +1.4% MoM · 2.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
85 holders — near 3-yr high, broad support
Squeeze score 50
elevated · 0–100
Fundamentals
Excellent
EPS growth +89%
Y/Y
Free cash flow $24.9M
Valuation P/E 11.4
below peers
Balance sheet $127.7M
net cash
Quant / Vol
risk profile
Moderate
Volatility 31%
annualized · 1-yr
Max drawdown −16%
past year
ATR 3.4%
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.

Up next
Next earnings call
Jul 21, 2026 Est · unconfirmed · in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 11, 2026

Technicals

trend & momentum for long-term holders Buy
1 · 3 · 3
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+16% Bullish
Price vs 50-day avg
+3% Bullish
RSI (14)
50 Neutral
MACD trend
Negative Bearish
52-week position
86% Bullish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross) No cross
50d $59 › 200d $53 — 50d above 200d
Institutional flow Distributing
3 of 85 funds reported for Jun 30 · net -280 sh shares
Insider flow Distributing
Net -$78.8K over 90 days · 50% sells
Short interest Rising
1.29% of float · ▲ +1.4% MoM · 2.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
85 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $36 Now $61 · 86% 52-wk high $65
vs 200-day avg +16% vs 50-day avg +3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings
Metric Latest Period YoY
Net Interest Margin (NIM) 3.53% Q1 2026
Return on Average Equity (ROE) 15.13% Q1 2026
Tangible book value per share non-GAAP $37.78 Q1 2026
Allowance for credit loss to loans ratio 1.32% Q4 2025
Average total deposits $1.87B FY2025
Cost of deposits 1.68% Q4 2025
Nonaccrual loans $8.5M Q4 2025
Nonaccrual loans as percentage of total gross loans 0.55% Q4 2025
Return on Average Assets (ROA) 0.94% FY2025
Total deposits $1.84B Q4 2025
Wealth Management fees $9.2M FY2025
Yield on earning assets 5.31% FY2025

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
FRAF
Franklin Financial Services Corp /Pa/
this stock
$273.99M +22.3% 11.4 1.3%
HDB
Hdfc Bank Ltd
$134.25B -28.4% +15.2% 0.3%
MFG
Mizuho Financial Group Inc
$123.95B +39.2% 0.1%
IBN
Icici Bank Ltd
$103.47B -3.2% 0.7%
PNC
Pnc Financial Services Group, Inc.
$102.00B +22.6% +7.2% 14.8 1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
85
% held
33.9%
Reported
3 of 85
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
107
View
Short & Settlement
Short Interest Rising
Shares short
57.9K
Days to cover
2.7d
Change
+812 sh
View
Short Volume
Short vol %
47%
As of
Jul 8, 2026
Short Total
View
Fails to Deliver
FTD shares
44
Value
$2.6K
As of
Jun 12, 2026
View
Off-Exchange
Off-exchange %
22.7%
Week of
May 4, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$78.8K
Buyers / Sellers
1 / 1
Buyers Sellers
View
Financials
Financials
Net income (FY)
$21.2M
EPS diluted
$4.74
View
Buybacks
Authorized
shares 150.0K
View
Filings
SEC Filings
Latest
10-Q
Filed
May 11, 2026
This year
12
View
Proposed Sales
Value
$78.1K
Shares
1.4K
Filed
May 14, 2026
View
Exempt Offerings
Offering
$20.0M
Filed
Aug 5, 2020
View
Earnings & Events
Earnings Calls
Last call
Apr 23, 2026
View
Investor Relations
Latest news
Franklin Financial Reports First…
Published
Apr 23, 2026
View

Performance

5D 20D 120D MTD YTD
FRAF -2.6% +3.5% +20.0% -2.6% +22.3%
SPY -0.2% +0.8% +7.4% -0.2% +9.3%
vs SPY -2.4% +2.6% +12.6% -2.4% +13.0%

Capital returns

Latest dividend
$0.34 / share · ex May 1, 2026
Raised 3%
Paid (TTM)
$1.33 / share · 4 payouts
Dividend yield (TTM, derived)
2.18%
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.

Key facts CIK 723646 CUSIP 353525108 13F (30d) 3 filings 3 filers Visit website Investor relations