FRANKLIN FINANCIAL SERVICES CORP /PA/
FRAF · State Commercial Banks · 4.5M shares · +0%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $193K (gross $827K, SBC $634K)
Reference price $58.88 · est. market cap ~$265M — last insider purchase, 2026-05-27 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70Franklin Financial Services (PA) — small bank with strong earnings growth.
Strengths
- Net income +91% (84th pct), ROE 12.1% (77th)
Risks
- ROA 43rd only average
- CRE concentration
- Rate sensitivity
Notable findings
Key metrics
Return on equity
12.1%
Return on assets
0.9%
Net-income growth
91.2%
Tangible book value
$166M
Cash & investments
$128M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-01 | Long David M | Grant | 16 | $47.51 |
| 2026-06-01 | Giustini Louis J | Grant | 82 | $47.51 |
| 2026-06-01 | Carmack Karen K | Grant | 7 | $47.51 |
| 2026-06-01 | Carroll Charles Benner Jr | Grant | 109 | $47.51 |
| 2026-06-01 | Hollar Mark R | Grant | 136 | $47.51 |
| 2026-06-01 | BEST CRAIG W | Grant | 246 | $47.51 |
| 2026-05-27 | Duffey Gregory A | Buy | 17 | $58.88 |
| 2026-05-26 | Butz Steven D | Sell | 1.4K | $57.73 |
| 2026-04-29 | Duffey Gregory A | Buy | 18 | $55.35 |
| 2026-04-29 | Carroll Charles Benner Jr | Grant | 1.0K | — |
| 2026-03-30 | Snook Gregory I | Grant | 128 | $50.56 |
| 2026-03-30 | ELLIOTT G WARREN | Grant | 48 | $50.56 |
| 2026-03-30 | Kerlin Stanley J | Grant | 155 | $50.56 |
| 2026-03-30 | Fisher Daniel J | Grant | 97 | $50.56 |
| 2026-03-30 | Duffey Gregory A | Grant | 63 | $50.56 |
| 2026-03-30 | Craig Kevin W | Grant | 214 | $50.56 |
| 2026-03-24 | Heckman Lorie M. | Option exercise | 200 | $34.10 |
| 2026-03-09 | Snook Gregory I | Buy | 2.2K | $48.18 |
| 2026-03-02 | Fisher Daniel J | Grant | 450 | — |
| 2026-03-02 | Carmack Karen K | Grant | 506 | — |
| 2026-03-02 | Carmack Karen K | Tax withheld | 196 | $51.48 |
| 2026-03-02 | Kerlin Stanley J | Grant | 383 | — |
| 2026-03-02 | Hollar Mark R | Grant | 1.0K | — |
| 2026-03-02 | Hollar Mark R | Tax withheld | 386 | $51.48 |
| 2026-03-02 | Brown Martin R | Grant | 383 | — |
| 2026-03-02 | ELLIOTT G WARREN | Grant | 771 | — |
| 2026-03-02 | Rzomp Kimberly | Grant | 334 | — |
| 2026-03-02 | BEST CRAIG W | Grant | 2.3K | — |
| 2026-03-02 | Snook Gregory I | Grant | 383 | — |
| 2026-03-02 | Long David M | Grant | 542 | — |
| 2026-03-02 | Long David M | Tax withheld | 169 | $51.48 |
| 2026-03-02 | Giustini Louis J | Grant | 628 | — |
| 2026-03-02 | Giustini Louis J | Tax withheld | 179 | $51.48 |
| 2026-03-02 | Carroll Charles Benner Jr | Grant | 1.2K | — |
| 2026-03-02 | Carroll Charles Benner Jr | Tax withheld | 318 | $51.48 |
| 2026-03-02 | Craig Kevin W | Grant | 424 | — |
| 2026-03-02 | Heckman Lorie M. | Grant | 426 | — |
| 2026-03-02 | Heckman Lorie M. | Tax withheld | 173 | $51.48 |
| 2026-03-02 | Weaver Matthew D | Grant | 443 | — |
| 2026-03-02 | Weaver Matthew D | Tax withheld | 159 | $51.48 |
| 2026-03-02 | Duffey Gregory A | Grant | 383 | — |
| 2026-03-02 | Butz Steven D | Grant | 794 | — |
| 2026-03-02 | Butz Steven D | Tax withheld | 386 | $51.48 |
| 2026-03-02 | Mowery Donald H | Grant | 383 | — |
| 2026-02-25 | Duffey Gregory A | Buy | 19 | $52.33 |
| 2026-02-05 | Carroll Charles Benner Jr | Buy | 380 | $46.93 |
| 2025-12-22 | Rzomp Kimberly | Sell | 1.5K | $54.07 |
| 2025-12-18 | Snook Gregory I | Grant | 146 | $55.32 |
| 2025-12-18 | Craig Kevin W | Grant | 196 | $55.32 |
| 2025-12-18 | Duffey Gregory A | Grant | 58 | $55.32 |
| 2025-12-18 | Butz Steven D | Option exercise | 2.7K | $21.27 |
| 2025-12-18 | Butz Steven D | Tax withheld | 1.0K | $56.12 |
| 2025-12-18 | Fisher Daniel J | Grant | 196 | $55.32 |
| 2025-12-18 | Kerlin Stanley J | Grant | 142 | $55.32 |
| 2025-12-18 | Brown Martin R | Grant | 89 | $55.32 |
| 2025-12-18 | ELLIOTT G WARREN | Grant | 44 | $55.32 |
| 2025-12-11 | Mowery Donald H | Gift | 10K | — |
| 2025-12-09 | Duffey Gregory A | Gift | 500 | — |
| 2025-12-09 | Duffey Gregory A | Gift | 200 | — |
| 2025-11-26 | Duffey Gregory A | Buy | 19 | $53.91 |
| 2025-09-22 | Snook Gregory I | Grant | 166 | $48.92 |
| 2025-09-22 | Craig Kevin W | Grant | 221 | $48.92 |
| 2025-09-22 | Duffey Gregory A | Grant | 65 | $48.92 |
| 2025-09-22 | Fisher Daniel J | Grant | 221 | $48.92 |
| 2025-09-22 | Kerlin Stanley J | Grant | 160 | $48.92 |
| 2025-09-22 | Brown Martin R | Grant | 100 | $48.92 |
| 2025-09-22 | ELLIOTT G WARREN | Grant | 50 | $48.92 |
| 2025-08-28 | Carroll Charles Benner Jr | Sell | 650 | $46.55 |
| 2025-08-27 | Ehrig Scott D | Sell | 1.1K | $46.83 |
| 2025-08-27 | Duffey Gregory A | Buy | 21 | $46.55 |
| 2025-08-27 | Hollar Mark R | Sell | 179 | $46.75 |
| 2025-08-25 | Long David M | Sell | 137 | $44.30 |
| 2025-07-30 | Duffey Gregory A | Buy | 25 | $40.48 |
| 2025-07-30 | Weaver Matthew D | Option exercise | 2.1K | $21.27 |
| 2025-07-30 | Weaver Matthew D | Tax withheld | 1.1K | $41.26 |
| 2025-07-28 | Heckman Lorie M. | Option exercise | 2.7K | $30.00 |
| 2025-07-28 | Heckman Lorie M. | Tax withheld | 1.9K | $42.58 |
| 2025-07-25 | Heckman Lorie M. | Option exercise | 2.1K | $21.27 |
| 2025-07-25 | Heckman Lorie M. | Tax withheld | 1.0K | $42.83 |
| 2025-07-25 | Carmack Karen K | Option exercise | 2.2K | $21.27 |
| 2025-07-25 | Carmack Karen K | Tax withheld | 1.1K | $42.83 |
| 2025-07-25 | Hollar Mark R | Option exercise | 2.9K | $34.10 |
| 2025-07-25 | Hollar Mark R | Tax withheld | 2.3K | $42.83 |
| 2025-07-25 | Hollar Mark R | Option exercise | 3.0K | $30.00 |
| 2025-07-25 | Hollar Mark R | Tax withheld | 2.1K | $42.83 |
| 2025-07-15 | BEST CRAIG W | Tax withheld | 631 | $39.00 |
| 2025-06-23 | Snook Gregory I | Grant | 235 | $34.60 |
| 2025-06-23 | Craig Kevin W | Grant | 313 | $34.60 |
| 2025-06-23 | Duffey Gregory A | Grant | 92 | $34.60 |
| 2025-06-23 | Fisher Daniel J | Grant | 313 | $34.60 |
| 2025-06-23 | Kerlin Stanley J | Grant | 227 | $34.60 |
| 2025-06-23 | Brown Martin R | Grant | 142 | $34.60 |
| 2025-06-23 | ELLIOTT G WARREN | Grant | 71 | $34.60 |
| 2025-06-16 | Duffey Gregory A | Gift | 1.2K | — |
| 2025-05-28 | Duffey Gregory A | Buy | 26 | $38.60 |
| 2025-05-28 | Carmack Karen K | Buy | 1 | $38.60 |
| 2025-05-15 | Carmack Karen K | Buy | 1 | $38.70 |
| 2025-05-14 | Butz Steven D | Sell | 998 | $38.82 |
| 2025-05-09 | Hollar Mark R | Tax withheld | 1.6K | $21.27 |
| 2025-05-09 | Hollar Mark R | Option exercise | 3.0K | $21.27 |
| 2025-05-06 | Heckman Lorie M. | Option exercise | 200 | $21.27 |
| 2025-04-23 | Henry Timothy G | Option exercise | 896 | $26.87 |
| 2025-04-22 | Hollar Mark R | Option exercise | 514 | $26.87 |
| 2025-04-10 | Carroll Charles Benner Jr | Option exercise | 451 | $26.87 |
| 2025-03-24 | Snook Gregory I | Grant | 227 | $35.73 |
| 2025-03-24 | Craig Kevin W | Grant | 304 | $35.73 |
| 2025-03-24 | Duffey Gregory A | Grant | 89 | $35.73 |
| 2025-03-24 | Fisher Daniel J | Grant | 304 | $35.73 |
| 2025-03-24 | Kerlin Stanley J | Grant | 221 | $35.73 |
| 2025-03-24 | Brown Martin R | Grant | 138 | $35.73 |
| 2025-03-24 | JENNINGS ALLAN E JR | Grant | 304 | $35.73 |
| 2025-03-24 | ELLIOTT G WARREN | Grant | 69 | $35.73 |
| 2025-03-12 | Carmack Karen K | Buy | 1 | $35.75 |
| 2025-03-07 | BEST CRAIG W | Buy | 6.8K | $37.00 |
| 2025-03-01 | Snook Gregory I | Grant | 334 | — |
| 2025-03-01 | Long David M | Grant | 414 | — |
| 2025-03-01 | Long David M | Tax withheld | 93 | $37.69 |
| 2025-03-01 | Giustini Louis J | Grant | 490 | — |
| 2025-03-01 | Giustini Louis J | Tax withheld | 99 | $37.69 |
| 2025-03-01 | Carroll Charles Benner Jr | Grant | 884 | — |
| 2025-03-01 | Carroll Charles Benner Jr | Tax withheld | 167 | $37.69 |
| 2025-03-01 | Ehrig Scott D | Grant | 528 | — |
| 2025-03-01 | Ehrig Scott D | Tax withheld | 482 | $37.69 |
| 2025-03-01 | Craig Kevin W | Grant | 414 | — |
| 2025-03-01 | Rzomp Kimberly | Grant | 334 | — |
| 2025-03-01 | Henry Timothy G | Grant | 1.7K | — |
| 2025-03-01 | Henry Timothy G | Tax withheld | 724 | $37.69 |
| 2025-03-01 | Heckman Lorie M. | Grant | 426 | — |
| 2025-03-01 | Heckman Lorie M. | Tax withheld | 187 | $37.69 |
| 2025-03-01 | Weaver Matthew D | Grant | 340 | — |
| 2025-03-01 | Weaver Matthew D | Buy | 186 | $37.69 |
| 2025-03-01 | Butz Steven D | Grant | 602 | — |
| 2025-03-01 | Butz Steven D | Tax withheld | 405 | $37.69 |
| 2025-03-01 | Mowery Donald H | Grant | 374 | — |
| 2025-03-01 | Fisher Daniel J | Grant | 374 | — |
| 2025-03-01 | Carmack Karen K | Grant | 386 | — |
| 2025-03-01 | Carmack Karen K | Tax withheld | 241 | $37.69 |
| 2025-03-01 | Kerlin Stanley J | Grant | 374 | — |
| 2025-03-01 | Hollar Mark R | Grant | 756 | — |
| 2025-03-01 | Hollar Mark R | Tax withheld | 449 | $37.69 |
| 2025-03-01 | Brown Martin R | Grant | 374 | — |
| 2025-03-01 | JENNINGS ALLAN E JR | Grant | 439 | — |
| 2025-03-01 | ELLIOTT G WARREN | Grant | 752 | — |
| 2025-03-01 | Duffey Gregory A | Grant | 374 | — |
| 2025-02-26 | Duffey Gregory A | Buy | 27 | $37.26 |
| 2025-02-26 | Carmack Karen K | Buy | 1 | $37.26 |
| 2025-02-05 | Duffey Gregory A | Buy | 3.0K | $33.90 |
| 2025-01-31 | BEST CRAIG W | Buy | 7.3K | $33.92 |
| 2025-01-14 | BEST CRAIG W | Grant | 1.5K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-11 | 2026-03-31 | 0000723646-26-000055 ↗ |
| 8-K/A | 2026-05-04 | 2026-05-01 | 0000723646-26-000050 ↗ |
| 8-K | 2026-05-01 | 2026-05-01 | 0000723646-26-000046 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0000723646-26-000037 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0000723646-26-000034 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0000723646-26-000032 ↗ |
| 8-K | 2026-04-13 | 2026-04-13 | 0000723646-26-000025 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0000723646-26-000016 ↗ |
| 8-K | 2026-02-02 | 2026-02-02 | 0000723646-26-000011 ↗ |
| 8-K | 2026-01-27 | 2026-01-27 | 0000723646-26-000008 ↗ |
| 8-K | 2026-01-20 | 2026-01-20 | 0000723646-26-000005 ↗ |
| 8-K | 2025-12-12 | 2025-12-12 | 0000723646-25-000086 ↗ |