Franklin Financial Services Corp (FRAF) shareholders
FRAFNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 15/3021% above fair value
$69.69−0.09 (-0.13%)
Close on Nov 13, 2026Market cap $313.58MP/E 11.2Yield 1.88%
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 Joint filing with Fourthstone LLC (7.41%), Fourthstone Master Opportunity Fund Ltd (5.83%) | 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)
117 funds held FRAF in Q2 2026, 59% of their shares through ETFs. Each fund counts once per quarter, from its quarter-end report.
| 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.
Short interest
Shares sold short and not yet bought back, as of Oct 30, 2026 (FINRA, reported twice a month)
Short % of float
5.95%
0M shares short
Days to cover
4.0
At 0M shares a day
Change since last report
-4.1%
From 0M shares
Short volume, 20 days
64.1%
Of volume reported to FINRA
Shares sold short, last 12 months
Short sale volume counts trades marked short on any given day, including market-maker hedging, so it runs far higher than the share of Franklin Financial Services's stock actually held short. Settlement fails (shares not delivered on time) peaked at 229 shares on Oct 5, 2026 over the last 90 days.
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 |
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