Microcap Ledger Franklin Financial Services Corp /pa/ $FRAF
Facts as of . Built from SEC filings and our own data. Small caps move fast; check the latest filings.
Snapshot
- Exchange
- Nasdaq Capital Market
- Sector
- State Commercial Banks
- Headquarters
- Chambersburg, PA
- Fiscal year end
- December 31
- Shares outstanding
- 4,499,582 [10-Q 2026-08-10]
What the company doesAI summary of filing
Franklin Financial Services Corporation is a bank holding company that conducts substantially all of its business through F&M Trust, a Pennsylvania-chartered commercial bank established in 1906 with 23 community banking offices across south-central Pennsylvania and Washington County, Maryland. The company generates revenue through commercial and retail banking services, including commercial real estate lending, construction and land development loans, commercial and industrial loans, consumer installment and revolving loans, residential mortgage loans, and deposit products, as well as investment and trust services through its Wealth Management segment. At December 31, 2025, the company had approximately $2.2 billion in total assets and was revenue-generating, with loans secured by real estate comprising approximately 85% of its loan portfolio. [10-K 2026-03-13]
Financial health
| Period | Revenue | Net income | Operating cash flow | Cash | Filing |
|---|---|---|---|---|---|
| 6 months to Jun 2026 | — | $13.25M | $30.78M | $195.03M | [10-Q 2026-08-10] |
| FY ended Dec 2025 | — | $21.23M | $25.44M | $127.72M | [10-K 2026-03-13] |
| FY ended Dec 2024 | — | $11.10M | $21.75M | $203.61M | [10-K 2026-03-13] |
Capital structure and dilution
| Date | Shares outstanding | Filing |
|---|---|---|
| 2024-10-31 | 4,415,707 | [10-Q 2024-11-14] |
| 2025-02-28 | 4,440,442 | [10-K 2025-03-14] |
| 2025-04-30 | 4,458,298 | [10-Q 2025-05-15] |
| 2025-07-31 | 4,476,651 | [10-Q 2025-08-14] |
| 2025-10-31 | 4,479,037 | [10-Q 2025-11-10] |
| 2026-02-28 | 4,482,893 | [10-K 2026-03-13] |
| 2026-04-30 | 4,493,032 | [10-Q 2026-05-11] |
| 2026-07-31 | 4,499,582 | [10-Q 2026-08-10] |
- Shelf registration
- S-3 filed 2023-11-17; declared effective 2023-12-04 [S-3 2023-11-17]
Listing status
Current status: No Form 8-K Item 3.01 (listing notice) filings in the last 24 months, as of 2026-10-11.
Who owns it
| Date | Insider | Type | Shares | Price | Filing |
|---|---|---|---|---|---|
| 2026-09-28 | Snook Gregory I | grant | 103 | $62.65 | [4 2026-09-28] |
| 2026-09-28 | Kerlin Stanley J | grant | 125 | $62.65 | [4 2026-09-28] |
| 2026-09-28 | Fisher Daniel J | grant | 78 | $62.65 | [4 2026-09-28] |
| 2026-09-28 | Elliott G Warren | grant | 39 | $62.65 | [4 2026-09-28] |
| 2026-09-28 | Duffey Gregory A | grant | 51 | $62.65 | [4 2026-09-28] |
| 2026-09-28 | Craig Kevin W | grant | 172 | $62.65 | [4 2026-09-28] |
| 2026-08-26 | Duffey Gregory A | buy | 16 | $62.08 | [4 2026-08-27] |
| 2026-07-31 | Weaver Matthew D | exercise | 2,250 | $30.00 | [4 2026-08-03] |
| 2026-07-31 | Weaver Matthew D | other | 1,070 | $63.11 | [4 2026-08-03] |
Catalysts and calendar
| Date | Type | Title |
|---|---|---|
| 2026-08-18 | 8-K | Director or officer change |
| 2026-08-10 | 10-Q | Quarterly report |
| 2026-07-24 | 8-K | Regulation FD disclosure |
| 2026-07-24 | 8-K | Regulation FD disclosure |
| 2026-07-24 | 8-K | Results of operations |
| 2026-07-17 | 8-K | Other events |
| 2026-05-11 | 10-Q | Quarterly report |
| 2026-05-04 | 8-K | Regulation FD disclosure |
| 2026-05-01 | 8-K | Regulation FD disclosure |
| 2026-04-29 | 8-K | Shareholder vote results |
| 2026-04-23 | 8-K | Director or officer change |
| 2026-04-23 | 8-K | Results of operations |
Alerts for $FRAF
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Facts as of . Small caps move fast; check the latest filings.