FRAFNasdaqState Commercial BanksFiscal year ends December 31
FRANKLIN FINANCIAL SERVICES CORP /PA/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$62.34−0.41 (-0.65%)
Close on Oct 19, 2026
- Market cap
- $280.72M
- P/E (TTM)
- 11.3
- Dividend yield
- 2.10%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
37.5%
2M of 4M shares
Institutional holders
99
19 new, 4 sold out
Net institutional buying
0M
In Q2 2026
Insider trades, 12 months
8 buys · 2 sales
Net sold $32.06K
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| L. Phillip Stone, IV | 331,586 | 7.41% | 13G (passive) amendment | Sep 30, 2025 |
| BlackRock, Inc. | 230,360 | 5.10% | 13G (passive) | Dec 31, 2025 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of FRAF | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 292,503 | 6.50% | $18.31M | +27,031 | 0.00% |
| Vanguard Capital Management LLC | 186,382 | 4.14% | $11.67M | +2,967 | 0.00% |
| Geode Capital Management, LLC | 112,891 | 2.51% | $7.07M | +13,041 | 0.00% |
| American Century Companies Inc | 86,341 | 1.92% | $5.40M | +37,518 | 0.00% |
| Arrowstreet Capital, Limited Partnership | 75,439 | 1.68% | $4.72M | – | 0.00% |
| State Street Corp | 71,690 | 1.59% | $4.49M | −249 | 0.00% |
| Elizabeth Park Capital Advisors, Ltd. | 63,910 | 1.42% | $4.00M | – | 2.76% |
| Bridgeway Capital Management, LLC | 62,785 | 1.40% | $3.93M | +3,710 | 0.07% |
| Dimensional Fund Advisors LP | 49,398 | 1.10% | $3.09M | +7 | 0.00% |
| Logan Capital Management Inc | 40,550 | 0.90% | $2.54M | New | 0.09% |
| Marshall Wace, Llp | 36,673 | 0.82% | $2.30M | −6,318 | 0.00% |
| Goldman Sachs Group Inc | 35,032 | 0.78% | $2.19M | −15,809 | 0.00% |
| Northern Trust Corp | 33,695 | 0.75% | $2.11M | +3,516 | 0.00% |
| Vanguard Portfolio Management LLC | 28,955 | 0.64% | $1.81M | +4,765 | 0.00% |
| Nuveen, LLC | 27,579 | 0.61% | $1.73M | – | 0.00% |
| Vanguard Fiduciary Trust Co | 26,938 | 0.60% | $1.69M | +347 | 0.00% |
| Sageworth Trust Co | 26,900 | 0.60% | $1.68M | New | 0.07% |
| Empowered Funds, LLC | 26,190 | 0.58% | $1.64M | +1,815 | 0.01% |
| SummerHaven Investment Management, LLC | 19,624 | 0.44% | $1.23M | – | 0.66% |
| Integrated Quantitative Investments LLC | 19,180 | 0.43% | $1.20M | New | 0.20% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 99 | 2M | 37.5% | 19 / 38 | 19 / 4 | 0M | 0M |
| Q1 2026 | 85 | 2M | 33.5% | 17 / 31 | 22 / 8 | 1M | 0M |
| Q4 2025 | 77 | 2M | 35.0% | 11 / 35 | 17 / 5 | 0M | 0M |
| Q3 2025 | 71 | 2M | 35.0% | 23 / 19 | 17 / 4 | 0M | 0M |
| Q2 2025 | 52 | 2M | 33.9% | 15 / 21 | 10 / 9 | 0M | 0M |
| Q1 2025 | 46 | 1M | 28.6% | 13 / 16 | 10 / 2 | 0M | 0M |
| Q4 2024 | 35 | 1M | 25.7% | 2 / 13 | 9 / 0 | 0M | 0M |
| Q3 2024 | 33 | 1M | 24.9% | 5 / 13 | 7 / 1 | 0M | 0M |
| Q2 2024 | 30 | 1M | 24.0% | 3 / 9 | 11 / 3 | 0M | 0M |
| Q1 2024 | 30 | 1M | 25.3% | 2 / 12 | 9 / 4 | 0M | 0M |
| Q4 2023 | 32 | 1M | 24.7% | 6 / 12 | 6 / 2 | 0M | 0M |
| Q3 2023 | 28 | 1M | 22.6% | 2 / 9 | 10 / 3 | 0M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of FRAF | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 133,496 | 2.97% | $8.36M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 115,321 | 2.56% | $7.22M | 0.01% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 61,397 | 1.36% | $3.57M | 0.01% | May 31, 2026 |
| Vanguard Extended Market Index Fund | 48,433 | 1.08% | $3.03M | 0.00% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 47,159 | 1.05% | $2.98M | 0.01% | Jul 31, 2026 |
| iShares Russell 2000 Value ETF | 40,942 | 0.91% | $2.56M | 0.02% | Jun 30, 2026 |
| Omni Small-Cap Value Fund | 30,700 | 0.68% | $1.92M | 0.15% | Jun 30, 2026 |
| EA Bridgeway Omni Small-Cap Value ETF | 26,190 | 0.58% | $1.64M | 0.07% | Jun 30, 2026 |
| Fidelity Extended Market Index Fund | 21,553 | 0.48% | $1.25M | 0.00% | May 31, 2026 |
| Vanguard Russell 2000 Index Fund | 21,456 | 0.48% | $1.25M | 0.01% | May 31, 2026 |
| College Retirement Equities Fund - Total Global Stock Account | 19,940 | 0.44% | $1.25M | 0.00% | Jun 30, 2026 |
| iShares Micro-Cap ETF | 14,725 | 0.33% | $921.79K | 0.06% | Jun 30, 2026 |
| First Trust Dow Jones Select MicroCap Index Fund | 14,017 | 0.31% | $877.46K | 0.33% | Jun 30, 2026 |
| Fidelity SAI Small-Mid Cap Momentum Index Fund | 12,713 | 0.28% | $802.95K | 0.02% | Jul 31, 2026 |
| Schwab Small-Cap Index Fund | 10,449 | 0.23% | $659.96K | 0.01% | Jul 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Matthew D. Weaver | SVP, Chief Marketing Officer | 5,980 | 0.13% | Aug 3, 2026 |
| Lorie M. Heckman | EVP, Chief Risk Officer | 8,353 | 0.19% | Jul 30, 2026 |
| Karen K. Carmack | SVP, Chief HR Officer | 8,927 | 0.20% | Jul 30, 2026 |
| David M. Long | SVP, Chief Technology Officer | 1,601 | 0.04% | Jun 2, 2026 |
| Mark R. Hollar | SEVP/CFO | 17,296 | 0.38% | Jun 2, 2026 |
| Craig W. Best | CEO | 17,559 | 0.39% | Jun 2, 2026 |
| Charles Benner Carroll Jr | President & COO | 6,035 | 0.13% | Jun 2, 2026 |
| Louis J. Giustini | SVP, CRSO | 1,933 | 0.04% | Jun 2, 2026 |
| Steven D. Butz | EVP, CCSO | 5,610 | 0.12% | Jun 1, 2026 |
| Scott D. Ehrig | SVP, Chief Wealth Officer | 1,942 | 0.04% | Aug 29, 2025 |
| Timothy G. Henry | CEO | 23,369 | 0.52% | Apr 24, 2025 |
| Gregory I. Snook | Director | 9,657 | 0.21% | Sep 28, 2026 |
| Gregory A. Duffey | Director | 24,079 | 0.54% | Sep 28, 2026 |
| Daniel J. Fisher | Director | 30,396 | 0.68% | Sep 28, 2026 |
| Kevin W. Craig | Director | 27,939 | 0.62% | Sep 28, 2026 |
| Stanley J. Kerlin | Director | 57,565 | 1.28% | Sep 28, 2026 |
| G. Warren Elliott | Director | 18,624 | 0.41% | Sep 28, 2026 |
| Donald H. Mowery | Director | 45,068 | 1.00% | Mar 3, 2026 |
| Martin R. Brown | Director | 9,695 | 0.22% | Mar 3, 2026 |
| Kimberly Rzomp | Director | 6,185 | 0.14% | Mar 3, 2026 |
| Allan E. Jennings Jr | Director | 31,175 | 0.69% | Mar 26, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Gregory I. Snook Director | Sep 28, 2026 | Award | +103 | $62.65 | $6.45K | 9,657 |
| Stanley J. Kerlin Director | Sep 28, 2026 | Award | +125 | $62.65 | $7.83K | 27,451 |
| Kevin W. Craig Director | Sep 28, 2026 | Award | +172 | $62.65 | $10.78K | 27,939 |
| Daniel J. Fisher Director | Sep 28, 2026 | Award | +78 | $62.65 | $4.89K | 30,396 |
| G. Warren Elliott Director | Sep 28, 2026 | Award | +39 | $62.65 | $2.44K | 18,286 |
| Gregory A. Duffey Director | Sep 28, 2026 | Award | +51 | $62.65 | $3.20K | 24,079 |
| Gregory A. Duffey Director | Aug 26, 2026 | Buy | +16 | $62.08 | $993 | 24,028 |
| Matthew D. Weaver SVP, Chief Marketing Officer | Jul 31, 2026 | Option exercise | +2,250 | $30.00 | $67.50K | 5,980 |
| Matthew D. Weaver SVP, Chief Marketing Officer | Jul 31, 2026 | Tax withholding | −1,070 | $63.11 | $67.53K | 4,910 |
| Karen K. Carmack SVP, Chief HR Officer | Jul 29, 2026 | Option exercise | +2,250 | $34.10 | $76.73K | 8,927 |
| Karen K. Carmack SVP, Chief HR Officer | Jul 29, 2026 | Tax withholding | −1,055 | $63.99 | $67.51K | 6,677 |
| Karen K. Carmack SVP, Chief HR Officer | Jul 29, 2026 | Option exercise | +2,250 | $30.00 | $67.50K | 7,732 |
| Karen K. Carmack SVP, Chief HR Officer | Jul 29, 2026 | Tax withholding | −1,200 | $63.99 | $76.79K | 7,727 |
| Gregory A. Duffey Director | Jul 29, 2026 | Buy | +16 | $64.08 | $1.03K | 23,911 |
| Lorie M. Heckman EVP, Chief Risk Officer | Jul 29, 2026 | Tax withholding | −1,333 | $63.99 | $85.30K | 8,353 |
| Lorie M. Heckman EVP, Chief Risk Officer | Jul 29, 2026 | Option exercise | +2,500 | $34.10 | $85.25K | 9,686 |
| Gregory A. Duffey Director | Jun 29, 2026 | Award | +50 | $63.21 | $3.16K | 23,895 |
| Stanley J. Kerlin Director | Jun 29, 2026 | Award | +124 | $63.21 | $7.84K | 27,261 |
| Daniel J. Fisher Director | Jun 29, 2026 | Award | +78 | $63.21 | $4.93K | 30,318 |
| Gregory I. Snook Director | Jun 29, 2026 | Award | +102 | $63.21 | $6.45K | 9,536 |
| Kevin W. Craig Director | Jun 29, 2026 | Award | +174 | $63.21 | $11.00K | 27,765 |
| G. Warren Elliott Director | Jun 29, 2026 | Award | +39 | $63.21 | $2.47K | 18,151 |
| Mark R. Hollar SEVP/CFO | Jun 1, 2026 | Award | +136 | $47.51 | $6.46K | 17,296 |
| Louis J. Giustini SVP, CRSO | Jun 1, 2026 | Award | +82 | $47.51 | $3.90K | 1,933 |
| Karen K. Carmack SVP, Chief HR Officer | Jun 1, 2026 | Award | +7 | $47.51 | $333 | 5,482 |
| Charles Benner Carroll Jr President & COO | Jun 1, 2026 | Award | +109 | $47.51 | $5.18K | 6,035 |
| Craig W. Best CEO | Jun 1, 2026 | Award | +246 | $47.51 | $11.69K | 17,559 |
| David M. Long SVP, Chief Technology Officer | Jun 1, 2026 | Award | +16 | $47.51 | $760 | 1,601 |
| Gregory A. Duffey Director | May 27, 2026 | Buy | +17 | $58.88 | $1.00K | 23,845 |
| Steven D. Butz EVP, CCSO | May 26, 2026 | Sale | −1,400 | $57.73 | $80.82K | 5,610 |
| Gregory A. Duffey Director | Apr 29, 2026 | Buy | +18 | $55.35 | $996 | 23,723 |
| Charles Benner Carroll Jr President & COO | Apr 29, 2026 | Award | +1,020 | – | – | 5,918 |
| Kevin W. Craig Director | Mar 30, 2026 | Award | +214 | $50.56 | $10.82K | 27,594 |
| Gregory I. Snook Director | Mar 30, 2026 | Award | +128 | $50.56 | $6.47K | 9,416 |
| Stanley J. Kerlin Director | Mar 30, 2026 | Award | +155 | $50.56 | $7.84K | 27,070 |
| Gregory A. Duffey Director | Mar 30, 2026 | Award | +63 | $50.56 | $3.19K | 23,705 |
| Daniel J. Fisher Director | Mar 30, 2026 | Award | +97 | $50.56 | $4.90K | 30,240 |
| G. Warren Elliott Director | Mar 30, 2026 | Award | +48 | $50.56 | $2.43K | 18,013 |
| Lorie M. Heckman EVP, Chief Risk Officer | Mar 24, 2026 | Option exercise | +200 | $34.10 | $6.82K | 7,150 |
| Gregory I. Snook Director | Mar 9, 2026 | Buy | +2,200 | $48.18 | $106.00K | 9,288 |
| Craig W. Best CEO | Mar 2, 2026 | Award | +2,322 | – | – | 17,308 |
| Steven D. Butz EVP, CCSO | Mar 2, 2026 | Tax withholding | −386 | $51.48 | $19.87K | 7,010 |
| Steven D. Butz EVP, CCSO | Mar 2, 2026 | Award | +794 | – | – | 7,396 |
| David M. Long SVP, Chief Technology Officer | Mar 2, 2026 | Award | +542 | – | – | 1,751 |
| David M. Long SVP, Chief Technology Officer | Mar 2, 2026 | Tax withholding | −169 | $51.48 | $8.70K | 1,582 |
| Mark R. Hollar Senior EVP, CFO | Mar 2, 2026 | Tax withholding | −386 | $51.48 | $19.87K | 17,073 |
| Mark R. Hollar Senior EVP, CFO | Mar 2, 2026 | Award | +1,000 | – | – | 17,459 |
| Karen K. Carmack SVP, Chief HR Officer | Mar 2, 2026 | Award | +506 | – | – | 5,645 |
| Karen K. Carmack SVP, Chief HR Officer | Mar 2, 2026 | Tax withholding | −196 | $51.48 | $10.09K | 5,449 |
| Matthew D. Weaver SVP, Chief Marketing Officer | Mar 2, 2026 | Tax withholding | −159 | $51.48 | $8.19K | 3,714 |
| Matthew D. Weaver SVP, Chief Marketing Officer | Mar 2, 2026 | Award | +443 | – | – | 3,873 |
| Lorie M. Heckman EVP, Chief Risk Officer | Mar 2, 2026 | Award | +426 | – | – | 7,123 |
| Lorie M. Heckman EVP, Chief Risk Officer | Mar 2, 2026 | Tax withholding | −173 | $51.48 | $8.91K | 6,950 |
| Charles Benner Carroll Jr Senior EVP, COO | Mar 2, 2026 | Tax withholding | −318 | $51.48 | $16.37K | 4,898 |
| Charles Benner Carroll Jr Senior EVP, COO | Mar 2, 2026 | Award | +1,176 | – | – | 5,216 |
| Louis J. Giustini SVP, CRSO | Mar 2, 2026 | Award | +628 | – | – | 2,026 |
| Louis J. Giustini SVP, CRSO | Mar 2, 2026 | Tax withholding | −179 | $51.48 | $9.21K | 1,847 |
| Kimberly Rzomp Director | Mar 2, 2026 | Award | +334 | – | – | 6,185 |
| Gregory I. Snook Director | Mar 2, 2026 | Award | +383 | – | – | 7,088 |
| Donald H. Mowery Director | Mar 2, 2026 | Award | +383 | – | – | 45,068 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Steven D. Butz Officer | May 14, 2026 | 1,400 | $78.12K | May 18, 2026 | exercise of stock option |
| Kimberly Rzomp Director | Dec 22, 2025 | 1,500 | $80.90K | Dec 22, 2025 | Open Market Purchase |