Franklin Financial Services (FRAF)
Holds F&M Trust, a regional bank and wealth manager in south-central Pennsylvania.
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Owns F&M Trust, a Chambersburg bank offering commercial, retail, mortgage, deposit, and wealth services. Business is concentrated in south-central Pennsylvania and northern Maryland, with local deposits, lending demand, fee income, and banking regulation shaping results.
Owns F&M Trust, the Chambersburg-based commercial bank and trust company that carries nearly all operating activity. The bank serves businesses, households, government customers, and nonprofit customers through commercial banking, retail banking, mortgage lending, deposit products, and wealth, trust, and brokerage services.
Operates in a narrow community-bank footprint centered on south-central Pennsylvania, with an additional market in Washington County, Maryland. The model depends on relationship banking, local deposit gathering, loan demand, service-fee activity, and wealth-management relationships rather than national scale.
Competes with regional banks, independent community banks, credit unions, mortgage banks, brokerage firms, and online financial providers. Banking regulation, interest-rate conditions, credit performance, and the ability to remain an independent local bank shape the business.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $647.4M · Total debt $215.1M · Total assets $2.34B · Shareholders' equity $183.8M
- Revenue
- $34.1M
- Operating income
- $8.2M
- Net income
- $6.6M
Raised for 13 straight years — most recently to $0.34 from $0.33 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 26 | $0.34 | |
| May 1, 2026 | May 1 | May 27 | $0.34 | raised from $0.33 |
| Feb 6, 2026 | Feb 6 | Feb 25 | $0.33 | |
| Nov 7, 2025 | Nov 7 | Nov 26 | $0.33 | |
| Aug 1, 2025 | Aug 1 | Aug 27 | $0.33 | |
| May 2, 2025 | May 2 | May 28 | $0.33 | raised from $0.32 |
| Feb 7, 2025 | Feb 7 | Feb 26 | $0.32 | |
| Nov 1, 2024 | Nov 1 | Nov 27 | $0.32 |
| Institutions101 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 37.82% | 1.70M shares | |
| Insiders21 holders · as of Aug 27, 2026 | 6.88% | 309.3K shares | |
| Otherremainder | ≈ 55.30% | 2.48M shares |
4.49M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 6.51% | 292,503 | 13Fas of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.15% | 186,382 | 13Fas of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.51% | 112,891 | 13Fas of Jun 30, 2026 |
American Century Companies IncInstitution | 1.92% | 86,341 | 13Fas of Jun 30, 2026 |
Arrowstreet Capital, Limited PartnershipInstitution | 1.68% | 75,439 | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Gregory A. Duffey | director | +16 | $62.08 |
| Jul 29, 2026 | Gregory A. Duffey | director | +16 | $64.08 |
| May 26, 2026 | Steven D. Butz | officer: EVP, CCSO | −1,400 | $57.73 |
| May 27, 2026 | Gregory A. Duffey | director | +17 | $58.88 |
| Apr 29, 2026 | Gregory A. Duffey | director | +18 | $55.35 |
- Orrstown Financial Services
Closest listed community-bank peer in F&M Trust's core counties
- ACNB
South-central PA and northern Maryland bank with wealth overlap
- Fulton Financial
Larger Mid-Atlantic bank competing across deposits, loans, and wealth
- Mid Penn Bancorp
Central Pennsylvania commercial bank with trust and mortgage overlap
- M&T Bank
Large regional bank competing in PA and Maryland banking services
- Burke & Herbert Financial Services
Post-LINKBANK public peer with Pennsylvania and Maryland reach
- PNC Financial Services Group
National-scale Pennsylvania bank competing in retail and wealth
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Franklin Financial Services | $63.27 | +3.31% | $283.6M | 11.5 | 10.3 | 2.1 | −25.9% |
| Orrstown Financial Services | $42.57 | +0.87% | $828.2M | 9.1 | 9.8 | 2.3 | +1.4% |
| ACNB | $65.26 | +2.00% | $665.8M | 12.4 | 11.5 | 3.3 | −14.8% |
| Fulton Financial | $23.77 | +0.30% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Mid Penn Bancorp | $37.09 | +0.35% | $935.5M | 12.0 | 10.1 | 2.5 | +41.2% |
| M&T Bank | $237.67 | +0.94% | $34.13B | 12.4 | 11.8 | 2.7 | +5.7% |
| Burke & Herbert Financial Services | $72.50 | +0.28% | $1.46B | 11.5 | 8.5 | 3.3 | +24.6% |
| PNC Financial Services Group | $243.89 | +0.57% | $96.74B | 13.3 | 11.9 | 2.8 | +21.4% |
| Median | 12.0 | 10.6 | 2.7 | +13.5% |