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Franklin Financial Services (FRAF)

Franklin Financial Services Corporation is the holding company for Farmers and Merchants Trust Company. The Bank is a commercial bank and trust company that operates in Franklin and Cumberland counties, Pennsylvania. Farmers and Merchants provides general commercial, retail banking, and trust services.

Company profile

Ticker
FRAF
Exchange
NASDAQ
Website
www.franklinfin.com
CEO
Timothy G. Henry
Employees
Incorporated
Pennsylvania
Location
Pennsylvania
Fiscal year end
Dec 31
Sector
Finance and Insurance > Commercial Banking
Industry (SIC)
State Commercial Banks
Bank Of New York Mellon • State Street • Ally Financial • Citizens Financial • Northern Trust • M & T Bank • Popular • Fifth Third Bancorp • Associated Banc-Corp. • First Citizens Bancshares, Inc ...
SEC CIK
0000723646
Corporate docs
Subsidiaries
SERVICES CORPORATION • TRUST COMPANY • PROPERTIES CORPORATION ...
IRS number
251440803

FRAF stock data

News

From Benzinga Pro
Franklin Financial Servs Q1 EPS $0.67 Down From $1.09 YoY
26 Apr 22
Franklin Financial Servs (NASDAQ:FRAF) reported quarterly earnings of $0.67 per share. This is a 38.53 percent decrease over earnings of $1.09 per share from the same period last year.

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

13 May 22
20 May 22
31 Dec 22

Financial summary

Financial statements Chart FRAF financial data
Quarter (USD) Mar 22 Dec 21 Sep 21 Jun 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 173.71M 173.71M 173.71M 173.71M 173.71M 173.71M
Cash burn (monthly) 480K (no burn) (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 794.91K n/a n/a n/a n/a n/a
Cash remaining 172.91M n/a n/a n/a n/a n/a
Runway (months of cash) 360.2 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Recent insider trades

FRAF insider ownership history Insider history
Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
18 May 22 Mark R Hollar Common Stock Buy Acquire P No No 31 3 93 7,779
18 May 22 Karen K Carmack Common Stock Buy Acquire P No No 31 1 31 2,228
11 May 22 Mark R Hollar Common Stock Buy Acquire P No No 31.86 3 95.58 7,776
4 May 22 Mark R Hollar Common Stock Buy Acquire P No No 32.75 3 98.25 7,773
4 May 22 Patricia A Hanks Common Stock Buy Acquire P No No 32.75 3 98.25 4,686
Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

Institutional ownership, Q4 2021

FRAF institutional ownership history Ownership history
6.3% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 19 38 -50.0%
Opened positions 2 1 +100.0%
Closed positions 21 7 +200.0%
Increased positions 6 9 -33.3%
Reduced positions 4 17 -76.5%
13F shares Current Prev Q Change
Total value 9.22M 27.59M -66.6%
Total shares 279.05K 787.66K -64.6%
Total puts 0 0
Total calls 0 0
Total put/call ratio – – –
Largest owners Shares Value Change
Banc Funds 84.8K $2.81M 0.0%
Geode Capital Management 33.8K $1.12M -0.0%
Cutler Capital Management 33.75K $1.12M +0.0%
Renaissance Technologies 18.3K $606K -0.5%
TFO USA 13.82K $457K NEW
BLK Blackrock 12.94K $428K +8.8%
Dimensional Fund Advisors 12.87K $425K +0.5%
American Century Companies 12.28K $405K +36.8%
Farmers & Merchants Trust Co of Chambersburg PA 11.17K $370K -6.1%
Context BH Capital Management 9.2K $304K +2.3%
Largest transactions Shares Bought/sold Change
Vanguard 0 -186.05K EXIT
Fourthstone 0 -116.64K EXIT
Logan Capital Management 0 -40.55K EXIT
Millennium Management 0 -33.55K EXIT
RBF Capital 0 -30K EXIT
RY Royal Bank Of Canada 0 -21.82K EXIT
MS Morgan Stanley 0 -18.99K EXIT
Ergoteles 0 -16.22K EXIT
Susquehanna Fundamental Investments 0 -15.2K EXIT
TFO USA 13.82K +13.82K NEW
Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Content analysis

?
Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
8th grade Bad
New words: advertising, difficulty, experiencing, Maryland, overcollateralization, platform, stabilized, Subtopic, variance, Vintage, Washington
Removed: AAA, absorb, accelerate, amortize, building, deferral, Department, educational, FFELP, forgiven, imply, occurred, originating, passed, payroll, presenting, reduced, reduction, sense, spending, stem
From filing 10-Q 2022 Q1
Financial reports
View all
10-Q
2022 Q1
Quarterly report
13 May 22
10-K/A
2021 FY
Annual report (amended)
18 Mar 22
10-K
2021 FY
Annual report
10 Mar 22
10-Q
2021 Q3
Quarterly report
8 Nov 21
10-Q
2021 Q2
Quarterly report
9 Aug 21
10-Q
2021 Q1
Quarterly report
10 May 21
10-K
2020 FY
Annual report
11 Mar 21
10-Q
2020 Q3
Quarterly report
9 Nov 20
10-Q
2020 Q2
Quarterly report
7 Aug 20
10-Q
2020 Q1
Quarterly report
11 May 20
Current reports
View all
8-K
Submission of Matters to a Vote of Security Holders
27 Apr 22
8-K
Regulation FD Disclosure
27 Apr 22
8-K
Franklin Financial Reports 2022  Q1 Earnings; Declares Dividend
26 Apr 22
8-K
Financial Statements and Exhibits
18 Apr 22
8-K
Investor Presentation Fourth Quarter 2021 Highlights
24 Mar 22
8-K
THIS AGREEMENT is made as of the 1st day of March 2022, by and among
4 Mar 22
8-K
Departure of Directors or Certain Officers
18 Feb 22
8-K
Departure of Directors or Certain Officers
7 Feb 22
8-K
Franklin Financial Reports 2021 Q4 Earnings; Declares Dividend
25 Jan 22
8-K
Other Events
17 Dec 21
Registration and prospectus
View all
D
$20M in debt, sold $20M, 23 investors
5 Aug 20
S-8 POS
Registration of securities for employees (post-effective amendment)
22 May 19
S-8
Registration of securities for employees
22 May 19
8-A12B
Registration of securities on exchange
26 Apr 19
S-8
Registration of securities for employees
29 Jan 14
POS AM
Prospectus update (post-effective amendment)
29 Sep 10
S-3
Shelf registration
2 Sep 10
425
Business combination disclosure
7 Jun 06
425
Business combination disclosure
31 May 06
425
Business combination disclosure
17 May 06
Proxies
View all
DEF 14A
Definitive proxy
16 Mar 22
DEF 14A
Definitive proxy
15 Mar 21
DEFA14A
Additional proxy soliciting materials
8 Apr 20
DEFA14A
Additional proxy soliciting materials
6 Apr 20
DEF 14A
Definitive proxy
16 Mar 20
PRE 14A
Preliminary proxy
6 Mar 20
DEF 14A
Definitive proxy
18 Mar 19
PRE 14A
Preliminary proxy
3 Mar 19
DEF 14A
Definitive proxy
14 Mar 18
DEF 14A
Definitive proxy
15 Mar 17
Other
CERT
Certification of approval for exchange listing
30 Apr 19
UPLOAD
Letter from SEC
23 Jan 11
UPLOAD
Letter from SEC
23 Jan 11
EFFECT
Notice of effectiveness
3 Oct 10
CORRESP
Correspondence with SEC
8 Jul 10
Ownership
View all
4
FRANKLIN FINANCIAL SERVICES / Karen K Carmack ownership change
20 May 22
4
FRANKLIN FINANCIAL SERVICES / Mark R Hollar ownership change
20 May 22
4
FRANKLIN FINANCIAL SERVICES / Mark R Hollar ownership change
13 May 22
4
FRANKLIN FINANCIAL SERVICES / Gregory A Duffey ownership change
5 May 22
4
FRANKLIN FINANCIAL SERVICES / Karen K Carmack ownership change
5 May 22
4
FRANKLIN FINANCIAL SERVICES / Patricia A Hanks ownership change
5 May 22
4
FRANKLIN FINANCIAL SERVICES / Mark R Hollar ownership change
5 May 22
4
FRANKLIN FINANCIAL SERVICES / Mark R Hollar ownership change
29 Apr 22
4
FRANKLIN FINANCIAL SERVICES / Karen K Carmack ownership change
21 Apr 22
4
FRANKLIN FINANCIAL SERVICES / Mark R Hollar ownership change
21 Apr 22

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