FRAF Franklin Financial Services Dashboard

Franklin Financial Services Corp. is a bank holding company, which engages in financial services and offers traditional banking. It offers commercial and retail financial services, including the taking of time, savings and demand deposits, the making of commercial, consumer and mortgage loans, and the providing of safe deposit services. The company also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department and Personal Investment Center. Franklin Financial Services was founded on June 1, 1983 and is headquartered in Chambersburg, PA.

Company profile

Ticker

FRAF

Exchange

NASDAQ

Website

www.franklinfin.com

CEO

Timothy G. Henry

Incorporated

Pennsylvania

Location

Pennsylvania

Fiscal year end

Dec 31

Sector

Finance and Insurance > Commercial Banking

Industry (SIC)

State Commercial Banks

State Street • Citizens Financial • Northern Trust • M & T Bank • Bank Of New York Mellon • Fifth Third Bancorp • Popular • Associated Banc-Corp. • First Citizens Bancshares, Inc • Commerce Bancshares ...

SEC CIK

0000723646

Corporate docs

Articles of Incorporation & Bylaws

IRS number

251440803

FRAF stock data

S&P 500

1M 1Y 2Y 5Y

Press releases

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Franklin Financial Reports 2020 Q4 Earnings; Declares Dividend

26 Jan 21

CHAMBERSBURG, Pa., Jan. 26, 2021 /PRNewswire/ -- Franklin Financial Services Corporation (NASDAQ:FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $4.6 million ($1.04 per

Investment data

Data from SEC filings

Securities sold

Number of investors

Calendar

11 Mar 21

21 Apr 21

31 Dec 21

Financial summary

Financial statements Chart FRAF financial data

Quarter (USD)	Dec 20	Sep 20	Jun 20	Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 20	Dec 19	Dec 18	Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated)	Burn method: Change in cash		Burn method: Operating income/loss		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	57.15M	57.15M	57.15M	57.15M	57.15M	57.15M
Cash burn (monthly)	4.67M	3.07M	(positive/no burn)	(positive/no burn)	(positive/no burn)	(positive/no burn)
Cash used (since last report)	17.29M	11.34M	n/a	n/a	n/a	n/a
Cash remaining	39.86M	45.8M	n/a	n/a	n/a	n/a
Runway (months of cash)	8.5	14.9	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Recent insider trades

FRAF insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
14 Apr 21	Mark R Hollar	Common Stock	Buy	Aquire P	No	No	30.31	3	90.93	5,738
14 Apr 21	Ronald L Cekovich	Common Stock	Buy	Aquire P	No	No	30.31	3	90.93	7,906
14 Apr 21	Karen K Carmack	Common Stock	Buy	Aquire P	No	No	30.31	1	30.31	1,626
7 Apr 21	Mark R Hollar	Common Stock	Buy	Aquire P	No	No	31.18	3	93.54	5,735
31 Mar 21	Mark R Hollar	Common Stock	Buy	Aquire P	No	No	33.19	3	99.57	5,732

Data from 3, 4 and 5 filings. Stock values as filed, not updated for current price.

Institutional ownership Q4 2020

FRAF institutional ownership history Ownership history

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

21.0% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	40	43	-7.0%
Opened positions	1	0	NEW
Closed positions	4	4	–
Increased positions	17	8	+112.5%
Reduced positions	10	19	-47.4%

13F shares	Current	Prev Q	Change
Total value	55.83M	41.58M	+34.3%
Total shares	925.55K	909.89K	+1.7%
Total puts	0	0
Total calls	0	0
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
BLK Blackrock	235.21K	$6.36M	+6.1%
Vanguard	122.2K	$3.3M	+1.4%
Banc Funds	102.18K	$2.76M	+12.4%
STT State Street	72.14K	$1.95M	+18.0%
Geode Capital Management	56.19K	$1.52M	+0.7%
NTRS Northern Trust	43.52K	$1.18M	-2.0%
Logan Capital Management	40.55K	$1.1M	0.0%
Cutler Capital Management	37.74K	$1.02M	-7.2%
RY Royal Bank Of Canada	27.35K	$739K	-1.4%
Panagora Asset Management	26.01K	$703K	+2.6%

Largest transactions	Shares	Bought/sold	Change
M3F	0	-21.61K	EXIT
Martingale Asset Management L P	0	-14.21K	EXIT
BLK Blackrock	235.21K	+13.54K	+6.1%
Banc Funds	102.18K	+11.28K	+12.4%
STT State Street	72.14K	+10.99K	+18.0%
JPM JPMorgan Chase & Co.	13.42K	+9.72K	+262.9%
Farmers & Merchants Trust Co of Chambersburg PA	11.42K	+4.75K	+71.1%
MS Morgan Stanley	12.04K	+3.73K	+44.8%
Cutler Capital Management	37.74K	-2.95K	-7.2%
Endurance Wealth Management	0	-2.9K	EXIT

Data from 13F filings. Stock values as filed, not updated for current price. Long positions only.

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Bad

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From filing 10-K 2020 FY