Franklin Financial Services (FRAF) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $62.75, -0.10% vs the prior close of $62.81.
- Volume 39.57K shares, 1.1x its 50-day average.
- New SEC filings: 8-K (Oct 16, 2026).
- No new insider buys or sales reported since the prior session.
FRAF ends flat (-0.1%) to $62.75, 4 down days in a row. Closed at $62.75, -0.10% vs the prior close of $62.81. Day range $62.29–$63.27, opened at $62.83.
FRAF daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 16, 2026 — FRAF ends flat (-0.1%) to $62.75, 4 down days in a row
- Closed at $62.75, -0.10% vs the prior close of $62.81. Day range $62.29–$63.27, opened at $62.83.
- Volume was 39.57K shares, 1.1x its 50-day average of 36.78K.
- Price is -0.2% vs its 50-day average ($62.86) and +9.3% vs its 200-day average ($57.40).
- 52-week range $43.47–$65.41; today's close sits at 88% of that range, 4.1% below the 52-week high.
- That makes 4 straight losses.
Oct 15, 2026 — FRAF ends flat (-0.2%) to $62.81, 3 down days in a row
- Closed at $62.81, -0.16% vs the prior close of $62.91. Day range $62.38–$63.92, opened at $63.23.
- Volume was 36.10K shares, 1.0x its 50-day average of 36.50K.
- Price is -0.1% vs its 50-day average ($62.87) and +9.5% vs its 200-day average ($57.34).
- 52-week range $43.47–$65.41; today's close sits at 88% of that range, 4.0% below the 52-week high.
- That makes 3 straight losses.
Oct 14, 2026 — FRAF dips 0.6% to $62.91
- Closed at $62.91, -0.65% vs the prior close of $63.32. Day range $61.82–$63.50, opened at $62.24.
- Volume was 40.00K shares, 1.1x its 50-day average of 36.41K.
- Price is +0.0% vs its 50-day average ($62.88) and +9.8% vs its 200-day average ($57.27).
- 52-week range $43.47–$65.41; today's close sits at 89% of that range, 3.8% below the 52-week high.
Oct 13, 2026 — FRAF dips 0.5% to $63.32
- Closed at $63.32, -0.46% vs the prior close of $63.61. Day range $62.82–$64.80, opened at $63.95.
- Volume was 49.90K shares, 1.4x its 50-day average of 35.93K.
- Price is +0.7% vs its 50-day average ($62.90) and +10.7% vs its 200-day average ($57.21).
- 52-week range $43.47–$65.41; today's close sits at 90% of that range, 3.2% below the 52-week high.
Oct 12, 2026 — FRAF rises 1.6% to $63.61
- Closed at $63.61, +1.61% vs the prior close of $62.60. Day range $62.05–$63.90, opened at $62.56.
- Volume was 45.10K shares, 1.3x its 50-day average of 35.61K.
- Price is +1.1% vs its 50-day average ($62.89) and +11.3% vs its 200-day average ($57.16).
- 52-week range $43.47–$65.41; today's close sits at 92% of that range, 2.8% below the 52-week high.
Oct 9, 2026 — FRAF dips 1.1% to $62.60, 3 down days in a row
- Closed at $62.60, -1.14% vs the prior close of $63.32. Day range $62.36–$63.42, opened at $63.42.
- Volume was 26.10K shares, 0.7x its 50-day average of 35.62K.
- Price is -0.5% vs its 50-day average ($62.88) and +9.6% vs its 200-day average ($57.10).
- 52-week range $43.47–$65.41; today's close sits at 87% of that range, 4.3% below the 52-week high.
- That makes 3 straight losses.
Oct 8, 2026 — FRAF ends flat (-0.2%) to $63.32
- Closed at $63.32, -0.22% vs the prior close of $63.46. Day range $62.57–$64.09, opened at $63.10.
- Volume was 33.80K shares, 1.0x its 50-day average of 35.54K.
- Price is +0.7% vs its 50-day average ($62.89) and +11.0% vs its 200-day average ($57.05).
- 52-week range $43.47–$65.41; today's close sits at 90% of that range, 3.2% below the 52-week high.
Oct 7, 2026 — FRAF ends flat (-0.1%) to $63.46
- Closed at $63.46, -0.14% vs the prior close of $63.55. Day range $62.10–$63.47, opened at $63.24.
- Volume was 47.50K shares, 1.3x its 50-day average of 35.37K.
- Price is +0.9% vs its 50-day average ($62.91) and +11.3% vs its 200-day average ($57.01).
- 52-week range $43.47–$65.41; today's close sits at 91% of that range, 3.0% below the 52-week high.
Oct 6, 2026 — FRAF rises 0.9% to $63.55
- Closed at $63.55, +0.94% vs the prior close of $62.96. Day range $62.81–$63.76, opened at $63.00.
- Volume was 54.30K shares, 1.5x its 50-day average of 35.14K.
- Price is +1.0% vs its 50-day average ($62.92) and +11.5% vs its 200-day average ($56.98).
- 52-week range $43.47–$65.41; today's close sits at 92% of that range, 2.8% below the 52-week high.
Oct 5, 2026 — FRAF dips 0.3% to $62.96
- Closed at $62.96, -0.32% vs the prior close of $63.16. Day range $61.65–$63.30, opened at $63.27.
- Volume was 40.30K shares, 1.1x its 50-day average of 35.27K.
- Price is +0.1% vs its 50-day average ($62.91) and +10.6% vs its 200-day average ($56.94).
- 52-week range $43.47–$65.41; today's close sits at 89% of that range, 3.7% below the 52-week high.
Oct 2, 2026 — FRAF rises 1.4% to $63.16
- Closed at $63.16, +1.38% vs the prior close of $62.30. Day range $61.88–$63.65, opened at $62.86.
- Volume was 27.80K shares, 0.8x its 50-day average of 35.43K.
- Price is +0.4% vs its 50-day average ($62.90) and +11.0% vs its 200-day average ($56.91).
- 52-week range $43.47–$65.41; today's close sits at 90% of that range, 3.4% below the 52-week high.
FRAF latest news & SEC filings
Every SEC filing by or about FRAF in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Oct 16, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 8.01 — Reported other events the company considers important.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Snook Gregory I received an award of 103 shares at $62.65 (≈$6.45K) on Sep 28, 2026; now holds 9,657
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Kerlin Stanley J received an award of 125 shares at $62.65 (≈$7.83K) on Sep 28, 2026; now holds 27,451
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Fisher Daniel J received an award of 78 shares at $62.65 (≈$4.89K) on Sep 28, 2026; now holds 30,396
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Elliott G Warren received an award of 39 shares at $62.65 (≈$2.44K) on Sep 28, 2026; now holds 18,286
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Duffey Gregory A received an award of 51 shares at $62.65 (≈$3.20K) on Sep 28, 2026; now holds 24,079
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 28, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Craig Kevin W received an award of 172 shares at $62.65 (≈$10.78K) on Sep 28, 2026; now holds 27,939
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 18, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.02 — Change in directors or officers (appointment, departure or pay).
Aug 10, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $6.61M (prior year $5.91M) (+11.9% vs Jun 30, 2025)
- Diluted EPS: $1.47 (prior year $1.32) (+11.4% vs Jun 30, 2025)
Jul 24, 2026 · Form 8-K/A — Current report (amended)
Amended current report
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Jul 24, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Jul 24, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 17, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 8.01 — Reported other events the company considers important.
Things to know before you trade FRAF
- Last results release: Jul 24, 2026 (8-K Item 2.02). Previous ones: Apr 23, 2026, Jan 27, 2026, Oct 28, 2025. Based on that rhythm, the next report is likely around Oct 23, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.80% (largest 2.5%). That is a relatively calm stock.
- Liquidity: about 40.22K shares (≈$2.52M) trade per day on average.
- 52-week position: $62.75 vs a range of $43.47–$65.41 (88% of the range).
- Dividends: last ex-dividend date Aug 7, 2026 ($0.34/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 21 open-market buys, 4 sales; latest: Gregory A Duffey bought 16 shares on Aug 26, 2026.
- Latest filings: 8-K Oct 16, 2026; 8-K Aug 18, 2026; 10-Q Aug 10, 2026.
- Share count: 4.50M shares outstanding (Jul 31, 2026), +0.5% vs a year earlier.
- Listing: Nasdaq · industry: State Commercial Banks.
FRAF market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 62.83 | 63.27 | 62.29 | 62.75 | 39.57K |
| Oct 15, 2026 | 63.23 | 63.92 | 62.38 | 62.81 | 36.10K |
| Oct 14, 2026 | 62.24 | 63.50 | 61.82 | 62.91 | 40.00K |
| Oct 13, 2026 | 63.95 | 64.80 | 62.82 | 63.32 | 49.90K |
| Oct 12, 2026 | 62.56 | 63.90 | 62.05 | 63.61 | 45.10K |
| Oct 9, 2026 | 63.42 | 63.42 | 62.36 | 62.60 | 26.10K |
| Oct 8, 2026 | 63.10 | 64.09 | 62.57 | 63.32 | 33.80K |
| Oct 7, 2026 | 63.24 | 63.47 | 62.10 | 63.46 | 47.50K |
| Oct 6, 2026 | 63.00 | 63.76 | 62.81 | 63.55 | 54.30K |
| Oct 5, 2026 | 63.27 | 63.30 | 61.65 | 62.96 | 40.30K |
| Oct 2, 2026 | 62.86 | 63.65 | 61.88 | 63.16 | 27.80K |
| Oct 1, 2026 | 61.86 | 62.43 | 60.51 | 62.30 | 36.20K |
| Sep 30, 2026 | 62.64 | 62.66 | 60.89 | 61.82 | 25.70K |
| Sep 29, 2026 | 62.85 | 62.91 | 61.56 | 62.47 | 27.60K |
| Sep 28, 2026 | 62.42 | 63.09 | 62.00 | 62.75 | 71.40K |
| Sep 25, 2026 | 62.42 | 62.86 | 61.55 | 62.65 | 25.10K |
| Sep 24, 2026 | 61.79 | 62.50 | 60.76 | 62.26 | 56.30K |
| Sep 23, 2026 | 62.72 | 63.00 | 61.15 | 61.22 | 34.70K |
| Sep 22, 2026 | 63.42 | 63.97 | 61.85 | 62.77 | 47.40K |
| Sep 21, 2026 | 63.69 | 64.08 | 62.51 | 63.22 | 39.50K |
About Franklin Financial Services
Franklin Financial Services (FRAF) is listed on the Nasdaq and classified by the SEC under “State Commercial Banks”. Its business address is in CHAMBERSBURG, PA. State of incorporation: PA. Fiscal year ends December 31. SEC CIK 723646.
FRAF board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Martin R Brown | Director | Mar 3, 2026 |
| Kevin W Craig | Director | Sep 28, 2026 |
| Gregory A Duffey | Director | Sep 28, 2026 |
| G Warren Elliott | Director | Sep 28, 2026 |
| Daniel J Fisher | Director | Sep 28, 2026 |
| Stanley J Kerlin | Director | Sep 28, 2026 |
| Donald H Mowery | Director | Mar 3, 2026 |
| Kimberly Rzomp | Director | Mar 3, 2026 |
| Gregory I Snook | Director | Sep 28, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Craig W Best | CEO | Jun 2, 2026 |
| Steven D Butz | EVP, CCSO | Jun 1, 2026 |
| Karen K Carmack | SVP, Chief HR Officer | Jul 30, 2026 |
| Charles Benner Jr Carroll | President & COO | Jun 2, 2026 |
| Louis J Giustini | SVP, CRSO | Jun 2, 2026 |
| Lorie M. Heckman | EVP, Chief Risk Officer | Jul 30, 2026 |
| Mark R Hollar | SEVP/CFO | Jun 2, 2026 |
| David M Long | SVP, Chief Technology Officer | Jun 2, 2026 |
| Matthew D Weaver | SVP, Chief Marketing Officer | Aug 3, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 26, 2026 | Gregory A Duffey | Buy | 16 | $62.08 |
| Aug 26, 2026 | Gregory A Duffey | Buy | 16 | $62.08 |
| Aug 26, 2026 | Gregory A Duffey | Buy | 16 | $62.08 |
| Aug 26, 2026 | Gregory A Duffey | Buy | 16 | $62.08 |
| Jul 29, 2026 | Gregory A Duffey | Buy | 16 | $64.08 |
| Jul 29, 2026 | Gregory A Duffey | Buy | 16 | $64.08 |
| Jul 29, 2026 | Gregory A Duffey | Buy | 16 | $64.08 |
| Jul 29, 2026 | Gregory A Duffey | Buy | 16 | $64.08 |
| May 27, 2026 | Gregory A Duffey | Buy | 17 | $58.88 |
| May 27, 2026 | Gregory A Duffey | Buy | 17 | $58.88 |
| May 27, 2026 | Gregory A Duffey | Buy | 17 | $58.88 |
| May 27, 2026 | Gregory A Duffey | Buy | 17 | $58.88 |
| May 26, 2026 | Steven D Butz | Sale | 1,400 | $57.73 |
| May 26, 2026 | Steven D Butz | Sale | 1,400 | $57.73 |
| May 26, 2026 | Steven D Butz | Sale | 1,400 | $57.73 |
FRAF financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $21.23M | 4.74 | $25.44M |
| Dec 31, 2024 | — | $11.10M | 2.51 | $21.75M |
| Dec 31, 2023 | — | $13.60M | 3.10 | $26.57M |
| Dec 31, 2022 | — | $14.94M | 3.36 | $25.24M |
| Dec 31, 2021 | — | $19.62M | 4.42 | $26.35M |
Latest balance sheet: total assets $2.34B, total liabilities $2.15B, cash $195.03M (as of Jun 30, 2026).
FRAF earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 24, 2026 | 8-K Item 2.02 (results) | $62.28 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | $56.26 |
| Jan 27, 2026 | 8-K Item 2.02 (results) | $48.36 |
| Oct 28, 2025 | 8-K Item 2.02 (results) | $46.55 |
| Jul 22, 2025 | 8-K Item 2.02 (results) | $41.79 |
| Apr 29, 2025 | 8-K Item 2.02 (results) | $38.91 |
| Jan 28, 2025 | 8-K Item 2.02 (results) | $33.20 |
| Oct 22, 2024 | 8-K Item 2.02 (results) | $29.59 |
| Jul 23, 2024 | 8-K Item 2.02 (results) | — |
| Apr 23, 2024 | 8-K Item 2.02 (results) | — |
| Jan 30, 2024 | 8-K Item 2.02 (results) | — |
| Oct 24, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 16, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.