Franklin Financial Services Corporation (FRAF)

Franklin Financial Services Corp. stock has significantly increased in price over the past six months, rising by 39.45%, and over the past year, it has increased by 60.69%. Key events impacting the stock price include consistent quarterly earnings reports and dividend declarations. Insider activity shows more stock sales than purchases in the past three months, totaling $49,640.00 in sales compared to $978.00 in purchases. Net margin expansion has reinforced a defensive narrative for the company, and a change at the top was suggested to potentially boost the company's performance.

Specific information regarding the demand seasonality for Franklin Financial Services Corp. products and services is not explicitly detailed. Demand for its products may be influenced by general economic cycles, local business activity, and consumer spending patterns throughout the year. Mortgage lending might see seasonal fluctuations, and business loan demand could align with business expansion or operational needs at different times of the year.

Franklin Financial Services Corporation, established in 1983 and headquartered in Chambersburg, Pennsylvania, operates as the bank holding company for Farmers and Merchants Trust Company. The company offers retail banking services such as checking and savings accounts, CDs, and money market accounts. Commercial banking services include business checking accounts, commercial loans, lines of credit, and cash management solutions. Wealth management and trust services provide investment advisory, estate planning, and trust fund management. Mortgage and consumer lending includes mortgage loans, HELOCs, and personal loans. Additional services encompass digital banking, mutual funds, annuities, insurance, safe deposit facilities, and venture capital investments.

Franklin Financial Services Corporation operates as an independent, locally owned bank holding company. Its subsidiary, F&M Trust, has 23 community-banking locations across several counties in Pennsylvania, including Franklin, Cumberland, Dauphin, Fulton, and Huntingdon, and also has a presence in Washington County, Maryland.

Information directly detailing Franklin Financial Services Corp.'s brand reputation in the past year is not readily available. The company emphasizes community-focused banking, personalized financial services, and local market expertise. Its mission includes providing financial solutions from trusted individuals and community involvement through employee volunteer hours, financial literacy programs, and donations to non-profits, which generally contribute positively to brand perception.

Franklin Financial Services Corporation has 132 institutional owners and shareholders holding a total of 1,750,238 shares, with major holders including Fourthstone LLC, Vanguard Group Inc, and BlackRock, Inc. Individual investors own 59% of the shares, while institutions hold 26%, and insiders own 6.93% of the stock.