Franklin Financial Services Corporation (FRAF)

Over the past six months, Franklin Financial Services reported its fourth quarter and full-year 2025 results, including a net income increase and a dividend increase. A director sold 1,500 shares of common stock for $81,000. The board of directors authorized a share repurchase program for 2026. A director purchased 19 shares of common stock. Franklin Financial Services announced its intention to redeem a portion of its 5.00% notes. As of February 5, 2026, the closing stock price was $47.32, with a 52-week high of $59.95 and a 52-week low of $32.39.

Information explicitly detailing the demand seasonality for Franklin Financial Services Corp. products and services is not readily available. Demand for its products and services would generally be influenced by broader economic cycles, local economic conditions, interest rate environments, and seasonal patterns common to the banking industry. The company's financial reports discuss trends in loan and deposit growth, and wealth management fees, which can be indicative of demand, but do not specifically break down seasonality.

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg, providing commercial, retail banking, and trust services to businesses, individuals, and governmental entities. The company operates within the Financials sector, specifically in the Banking Services industry, categorized under Regional Banks. FRAF offers deposit products, loan products, investment and trust services, and other services such as sales of mutual funds, annuities, and insurance products, as well as safe deposit and fiduciary services. The company also engages in non-bank investment activities, including venture capital investments.

Franklin Financial Services Corporation is headquartered in Chambersburg, Pennsylvania. Its subsidiary, F&M Trust, operates 23 community banking locations across several counties in Pennsylvania, including Franklin, Cumberland, Dauphin, Fulton, and Huntingdon, and also in Washington County, Maryland. The company describes itself as the largest independent, locally owned and operated bank holding company headquartered in Franklin County.

Franklin Financial Services benefits from a strong community bank identity and a deep local presence, which helps build trust. The company actively participates in local environmental projects and has invested in green initiatives. They also make annual financial contributions averaging at least $500,000 to local organizations. Institutional investors are increasingly pressuring the company to provide more formal and measurable Environmental, Social, and Governance (ESG) disclosures.

Franklin Financial Services Corporation has 146 institutional owners and shareholders holding a total of 1,802,903 shares. Key institutional shareholders include Fourthstone LLC, Vanguard Group Inc, and BlackRock, Inc. Individual insiders own 6.8% of the company's shares, with Stanley J. Kerlin being the largest individual shareholder. Insiders collectively own 13.82% of the company.